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jrsteeve

Member

Registered: 3rd Apr 02
Location: Manchester
User status: Offline

8th Dec 14 at 15:14

So i'm hoping to have a second car, mostly for weekend use rather than commuting, but Aviva have thrown a spanner in saying the no claims discount stays on one car, the second would start from 0, would cost a fortune! Surely there's another way? I've had a quote on insuring it separately, but using the no claims, with another insurer, but i'm guessing they might have an issue with it if the no claims are on another vehicle/policy - if that makes sense? Help!

John

Member

Registered: 30th Jun 03
User status: Offline

8th Dec 14 at 15:18

Admiral group have always matched my no claims when I've asked.

kennySRi

Member

Registered: 12th Nov 10
Location: Lancashire
User status: Offline

8th Dec 14 at 15:18

I was having the same problem so I went back on a trade insurance. Worthwhile if you have a few cars or change them often.

taylorboosh

Member

Registered: 3rd Apr 07
User status: Offline

8th Dec 14 at 15:20

quote:
Originally posted by John
Admiral group have always matched my no claims when I've asked.

Baskey

Member

Registered: 31st May 06
User status: Offline

8th Dec 14 at 15:27

How old is your second car?

I use my ncb on my subaru

I then insure my mx5 on a classic policy for £250 odd including modifications such as 4 point roll over bar. I was getting quotes of £850 when putting it through one of those normal comparison sites.

If it's 10+ years old or something interesting you should be able to get specialised cover with limited milage

[Edited on 08-12-2014 by Baskey]

jrsteeve

Member

Registered: 3rd Apr 02
Location: Manchester
User status: Offline

8th Dec 14 at 15:32

Cheers, will give Admiral a try. Had looked at a trader's policy about 6 months ago but was around £4k from memory for what I'd need.
It's an 07 Cayman, without any no claims it'd just be silly money.

I can print off the policy to prove I have no claims, just need to check the small print to make sure it's admissible.

Member

Registered: 10th Sep 03
User status: Offline

8th Dec 14 at 15:39

I've got a 'normal' policy for my Fiat 500 and when I use it in the summer, I have a 'special' policy from Adrian Flux which is limited to 5000 miles a year and mirrors my NCB for my Boxster. All I had to do was provide Adrian Flux with my proof of NCB on my daily drive and sign an agreement for the limited mileage. The actual policy is underwritten by Equity Red Star though.

[Edited on 08-12-2014 by ed]

jrsteeve

Member

Registered: 3rd Apr 02
Location: Manchester
User status: Offline

8th Dec 14 at 15:53

Admiral quoted £3k, can't take the no claims as it's on the other car. Not looking good

DaveyLC

Member

Registered: 8th Oct 08
Location: Berkshire
User status: Offline

8th Dec 14 at 15:54

Me and the misses use Admiral... usually have 2-3 cars between us and it always works out the cheapest option.

Stu_22

Member

Registered: 25th Mar 02
Location: Luton
User status: Offline

8th Dec 14 at 15:55

Same as ed here Adrian flux matched my no claims on another policy for theirs

BluKoo

Member

Registered: 8th Apr 02
Location: Stonehaven (Scotland)
User status: Offline

8th Dec 14 at 16:12

quote:
Originally posted by John
Admiral group have always matched my no claims when I've asked.

Yup. I believe my dad is with Admiral and has full protected no claims on all 5 cars.

3CorsaMeal

Member

Registered: 11th Apr 02
User status: Offline

8th Dec 14 at 16:39

I was with admiral and they called it "mirroring" my NCB, worth an ask.

taylorboosh

Member

Registered: 3rd Apr 07
User status: Offline

8th Dec 14 at 16:45

You need to call - not go online

taylorboosh

Member

Registered: 3rd Apr 07
User status: Offline

8th Dec 14 at 16:45

+you could get multicar discount

Ian

Site Administrator

Registered: 28th Aug 99
Location: Liverpool
User status: Offline

8th Dec 14 at 16:46

Admiral matched bonus.

jrsteeve

Member

Registered: 3rd Apr 02
Location: Manchester
User status: Offline

8th Dec 14 at 17:12

Yep, called Admiral, no joy. Aviva's price was £3200, had £1k from direct line using the NCB but am a bit wary. Would they cancel it if they found them in use on another car?

John

Member

Registered: 30th Jun 03
User status: Offline

8th Dec 14 at 17:20

Yes, you are definitely not allowed to do that.

jrsteeve

Member

Registered: 3rd Apr 02
Location: Manchester
User status: Offline

8th Dec 14 at 17:21

quote:
Originally posted by John
Yes, you are definitely not allowed to do that.

Thought as much, oh well

Graham88

Member

Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline

8th Dec 14 at 17:37

Adrian Flux I have mine with. Even on 2 separate policies as one is a modified car policy, very reasonable.

Nic Barnes

Member

Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline

8th Dec 14 at 17:57

Mine was same as graham 88

Andrew

Member

Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline

8th Dec 14 at 21:55

Admiral for me also.
I'm looking to add a 3rd vehicle on come renewal, hopefully they will match the bonus again.

Toby

Premium Member

Registered: 29th Nov 05
User status: Offline

8th Dec 14 at 22:04

Admiral will only mirror NCB if you have more than 3 iirc.

I did have a multicar policy but when the Megane started getting slightly more purposeful i went onto a limited mileage policy with greenlight.

jrsteeve

Member

Registered: 3rd Apr 02
Location: Manchester
User status: Offline

9th Dec 14 at 13:25

So it looks like i'm going with Direct Line, putting the no claims on the Cayman and the work Clio on 0 NCB. Having a black box on the Clio is the cheapest option, saves about £350, just not sure if it's wise. Guessing I can just remove it and go elsewhere on renewal if they say driving's been horrendous, price going up etc. Price £970 for the cayman, just me driving, and £1100 (with black box) for the clio with 22 year old colleague listed for business use.

Aviva quoted on similar basis, priced £889 extra to insure both til renewal on 15/04/15, just wary of what the price might be then though.

Looks like i'm best cancelling Aviva and going Direct Line, would also help to start gaining no claims on the work car quicker too I suppose.

Essay over. Any thoughts?

taylorboosh

Member

Registered: 3rd Apr 07
User status: Offline

9th Dec 14 at 13:29

Ring admiral and ask for multicar and matched ncb

jrsteeve

Member

Registered: 3rd Apr 02
Location: Manchester
User status: Offline

9th Dec 14 at 15:19

quote:
Originally posted by taylorboosh
Ring admiral and ask for multicar and matched ncb

The Clio's used for work, both need covering for business use, Admiral won't touch it, though most others will.

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