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Discussion Starter #1 (Edited)
Hi all. Have just purchased a 03 plate Spider!! Now all I have to do is insure it.
Do any of you clever people know if its best to just insure it as a second car (and hopefully get them to recognise my No claims bonus from my normal car) or might it be worth while going through one of the multi car options as my main car is up for insurance at the end of this month.
Many thanks.
 

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Hi all. Have just purchased a 03 plate Spider!! Now all I have to do is insure it.
Do any of you clever people know if its best to just insure it as a second car (and hopefully get them to recognise my No claims bonus from my normal car) or might it be worth while going through one of the multi car options as my main car is up for insurance at the end of this month.
Many thanks.
I don't think can use the same no claims on two cars, come across that roadblock many times. Not had a multi-car policy yet so can't comment on that.
 

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Discussion Starter #3
I don't think can use the same no claims on two cars, come across that roadblock many times. Not had a multi-car policy yet so can't comment on that.
I know that you can't use the same No Claims Discount as such but some company's recognise them as a view to your previous driving and so subsequently give you a discounted policy.
 

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I know that you can't use the same No Claims Discount as such but some company's recognise them as a view to your previous driving and so subsequently give you a discounted policy.
Got you, I found that it didn't make much difference when I had two cars but I'm sure there'll be quite a few on here with multiple cars and some top tips.
 

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I have a separate policy for each car.. It costs and arm and a leg, even if you tell the insurance the second car is only going to do 4000 miles a year or similar.

Multi-car policies aren't actually all that much cheaper than two separate policies for me.. but it then locks you in to one insurer (Admiral usually) since it's more of a faff to get competitive quotes for comparison each year. For me it's not worth it and I'm put off by the insinuation that it's cheaper or better value than two separate policies, when actually it costs the same. :soapbox:

If the Spider is getting on a bit you might want to investigate a "classic car" policy (these tend to be on older cars and have a mileage limit, but that could work for you). Usually they are more realistic about their premiums.


Ralf S.
 

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If the Spider is getting on a bit you might want to investigate a "classic car" policy (these tend to be on older cars and have a mileage limit, but that could work for you). Usually they are more realistic about their premiums.
I'm about to do the same thing - but interested to know where have people got classic par policies from. Specialist insurers? Or on request from the mainstream companies?
 

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I had 2 cars on a multi car policy, after a few years at renewal time the multi car quote was stupidly high, so I went to Chris Knott (other brokers are available), they gave me a quote on two separate cars but because they were on a multi car policy they split the no claims so both had full NCD.

Might be worth taking out a multi car for the first year or so and then splitting it, I did it a few years ago now, so not sure if they would do the same now.

I have since bought a third car and this is now insured with 0 years NCD, it was irrelevant how many years NCD were on the other two cars, only also insured this with CK because they matched a like for like quote.
 

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Any multicar policy I have had the NCD are separate for each car. This means it is straightforward to change back to individual policies when the multicar provider up the renewal by a silly amount. Some years separate policies work out cheaper, other years the multicar option is cheaper.

Beware of the RAC so-called multicar arrangement. It is so hedged about with "cannot does" that even the call centre staff fail to get it right. I was told, by the sales centre, you have to take out a single policy and then add the second car via customer service. Only then will the ultimate cost be calculated and if the first policy is an "RAC Plus" then the second cannot be but apparently customer service can set up both policies at the same time, unlike the sales centre, and they can be both "Plus" policies. :banghead: I ended up cancelling the first policy, within an hour of setting it up and going with separate insurers to get the best deal. The RAC then took the money for the aborted policy a day later and toook over two weeks to refund it. :grumpy::rage:
 

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I'm about to do the same thing - but interested to know where have people got classic par policies from. Specialist insurers? Or on request from the mainstream companies?
Carolenash Chris knott adrian flux all do quite good classic car policies, usually have to be at least 15 years old and not main car
 

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Discussion Starter #11
Hi, thanks for all the comments re this. Have put the details in on the comparison sites and getting a cheapest quote of £205. This is with No Claims but being an owner of another car/named driver on wife's, 4000 annual miles, fully comp and wife insured on it too.
Not to sure if the car would qualify for a classic being on a 03 plate but might give the people a call anyway.
 

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Hi.
Please feel free to give us a try for insurance if you like. We have classic schemes that can cater for this type of vehicle. If you wanted to PM me some contact details I'd be happy to arrange for one of my quotes team to give you a call back.
Regards,
Dan.
 

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Thanks Dan, PM sent.

Jeremy
 

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I've done multicar and separate policies. Currently on separate.
I'd struggle to recommend one way over another except using a classic policy you can get a guaranteed value which is less likely on a multicar or standard policy.

On the multicar I seemed to get NCB on both. I then went back to a company I have used for years who are for me rarely beaten and they offered me the Spider and mirrored the NCB from my hack.

Three cars, two on classic and the hack on a regular policy.
 
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