Member Since: 19 Dec 2009
Location: oldbury West Midlands
Posts: 1224
Insurance no claims nightmare
Trying to insure 2 cars today , what is it with insurance companies not giving you a no claims discount on more than one car and state your discount can only be used on one car ? , surely what ever car i drive am a full no claims driver !! at least 28 years approx with no accidents , also because I'm insured on my van and have no claims discount there i can't use my no claims ! , swmbo is insured on the D3 so using her discount there nightmare anyone have easy solution ? I'm obviously missing something
30th Dec 2014 7:06 pm
Fitzy73
Member Since: 09 Feb 2014
Location: Truro
Posts: 2407
Only thing I can think of is Admiral and the like that offer multi car policies, might that help?Andy
30th Dec 2014 7:23 pm
doz
Member Since: 15 Jun 2014
Location: Southampton
Posts: 436
Try "A plan" insurance. They matched my no claims discount from my first car on to a second policy.
Aviva multicar will give you a matched "introductory" NCD on your second vehicle if you and your cars meet their criteria. That introductory NCD becomes full NCD on the second anniversary of the policy.I know it's not considered "kind" to say no these days, but no. Just no, ok? And if it's not ok, still no.
30th Dec 2014 7:44 pm
Darryl
Member Since: 19 Dec 2009
Location: oldbury West Midlands
Posts: 1224
Thanks all for the help , I've used A Plan in the past for my van , only issue with these multi car policies as I've just found out from Admiral is i plan to sell the one car in a couple of months then your other car policy shoots up in price if you leave that one insured with them seems like that got you all ways
Adrian Flux matched my no claims when we had a third vehicle last year, no probs, they were insuring all 3 cars though........it's very dependant on the insurer and how they perceive your circumstances, for instance you'll get nowhere if you want to put your 17year on on the third policy.......
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30th Dec 2014 8:05 pm
G_Cam
Member Since: 12 Aug 2010
Location: Fife
Posts: 2061
Fitzy73 wrote:
Only thing I can think of is Admiral and the like that offer multi car policies, might that help?
BEWARE!!!
I went with Admiral .. I Total I had 3 cars ALL with their own NCD...
A few years later I wanted to revert back to insuring the three vehicles independently... HOWEVER I was told by all the insurers that as I had 'Combined' My NCD with Admiral for over 2 years I only had ONE NCD that I could use!!!!! ie my 3 Lots of NCD had merged into one!!!
I complained to Admiral and they pointed out their small print... "you continue to Build NCD" .. but ONLY as long as you insure with them!!!
This mistake cost me Hundreds of £'s.. as I had to start again with only 'Introductory' NCD on two of the three policies...
And the Reason I Switched was Admiral Started to really bump up their policy costs... to more than insuring 3 different cars!!!
Caveat Emptor 1 TR6 Rusting away quietly
1 FARR UTV SOLD
1 International Harvester SOLD
7 x D3 all SOLD
2 x D4 both SOLD
1 x Mrs D4 'Panther' SOLD
1 x Outlander van SOLD
1 continual stream of car parts and me living in the garage...
30th Dec 2014 9:44 pm
lynalldiscovery
Member Since: 22 Dec 2009
Location: Maidstone
Posts: 7274
Ive always thought the multi car policies have to have a ctach.
Ive been driving my defender for 4 years on a classic policy, which I knew didnt accumalate ncd, but didnt realise once you have been out of the loop for 2 years you have to start all over again!
Still it was only 371 full comp quid so not the end of the world.
30th Dec 2014 9:48 pm
Darryl
Member Since: 19 Dec 2009
Location: oldbury West Midlands
Posts: 1224
yea my thoughts too !! they always got you somewhere by the short n curlys , kin minefield to be honest no easy way out , the way i see it if you have a full no claims clean history this should reflect on anything you drive , too easy i suppose
30th Dec 2014 10:15 pm
robbo770
Member Since: 29 Jan 2013
Location: Aberdeenshire
Posts: 2294
Site sponsor A-plan for me for both cars, separate policy's and still cheaper than any multi car deal😀😃😄FFRR SC 4.2
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with no accidents , also because I'm insured on my van and have no claims discount there i can't use my no claims ! , swmbo is insured on the D3 so using her discount there 
, I've used A Plan in the past for my van 
