Insurance - Best Ways To Insure Multiple Cars

[tt82]

Also trade policies can exclude social, domestic and pleasure use, so when you are nipping to the local Tesco with the family on board, it is possible for the car to seized by Police for driving with no insurance. (Seen it done on a UK Police TV show)

[DSK]

So sounds like those who suggested trade insurance would then be driving illegally (technically) themselves as they are not trade in anyway and cover may not include the usual SD&P that personal folks need.

Seems like there's no gems so I'll have to go back to basics and do what most of us now do, just spend hours on the phone to various insurers, going over the same old twaddle to see who can offer the right cover the cheapest.

I think I may try and hunt harder and try some of the none big names. If I find any worth mentioning, I'll list them.

DAN AT ADRIAN FLUX - I used to be happily insured with yourselves in my younger days but in recent years Adrian Flux's quotes were not competitive. I even insured my Superbike with your BikeSure side of motorcycle insurance last year (despite having a clean and long history with Bikesure) only to be annoyed by the endless admin tasks. I cancelled the policy within a month, paid more and moved to MC Edwards without any bother.

[canis]

Originally Posted by DAN AT ADRIAN FLUX

Hi DSK,

If you wished we can take a look at providing you with cover for the cars you have? If you wanted to PM your full name and a telephone number I can arrange for a colleague to contact you?

Many thanks

Dan

Tell me the truth, please. I realise your an insurance broker, but try really hard.

WHY do several cars cost more to insure? I can only drive them one at a time! Why? Justify the notion.

[Considered1]

Originally Posted by canis

Tell me the truth, please. I realise your an insurance broker, but try really hard.

WHY do several cars cost more to insure? I can only drive them one at a time! Why? Justify the notion.

are you the only driver of all the vehicles?

[DaveNP]

Originally Posted by canis

WHY do several cars cost more to insure? I can only drive them one at a time! Why? Justify the notion.

Well not always. When my daughter passed her test we put her on the insurance but with Admiral she was listed as an 'occasional driver', I was main driver and my wife second driver on my car and vice-versa on the wife's car with my daughter as an occasional on mine. Obviously I could be driving mine while the wife drove hers and my daughter could only drive when neither me or the wife wanted my car.
It got stranger when my son passed his test, to add him as an occasional driver on my wife's Almera, where he would only be third in the queue was going to cost about £3k per year, to insure him on his own Peugeot 307, which he drives all the time, was £2k ??? Still haven't figured out how those sums add up.

The other thing to remember is it's not actually worked out on the basis of 'he sounds dodgy', 'we don't like plumbers', or 'he's got two cars and he can only drive one' or any other apparent prejudice. It's done by actuaries who look at all of the claims they've paid out on and work out what those claimants had in common, like age or jobs, and then estimate the risk for someone of that age and job in the future.

[Simon Jones]

Whilst one person can only drive one car at a time the other cars are still going to be sat around so could be stolen or damaged and therefore the risk is higher than if you had a single vehicle.

Presumably, if you were lucky enough to have invested your savings into a lovely Cornish cottage with a sea view as a second home, then you'd have insurance cover for 12 months of the year rather than just the odd weekend when you spend time there, inspite of the fact that you can only be in one house at a time.

[canis]

As a ratio between cost of ownership and cost of insurance cover, there is a vast difference between a lovely cornish cottage and a beaten up old transit.

[Simon Jones]

Possibly something to do with the chance of crashing the lovely Cornish cottage into a bus stop full of kids waiting for the school bus being lower than when driving the transit .

[canis]

Which brings us neatly back to my original point - I can only crash one car at a time.

[Simon Jones]

...but your other car could be nicked, damaged or catch fire while you're busy crashing the other car . There is still a cost to the insurance company to repair / replace a vehicle whether is being driven or sat on the road outside your house.