Second car insurance

[Pupbelly]

Can anyone point me towards or assist with second car insurance please? I have a daily driver car and many many years of no claims, however I understand that for a second car the insurance is treated totally separate and with very little or zero no claims which seems bonkers. Anyone got some helpful advice?

[RollingThunder]

Thats correct, your NCB can only be applied to one policy.

I had the same issue when I first started running 2 vehicles - luckily my first 'second' vehicle was a classic landrover so its insurance was cheap even with 0 years NCB. If you've had a company car, then they sometimes will allow you some NCB against that policy, but you'll need to shop around to find the best deals - you'll find some 'multicar' policies are actually more expensive than two separate policies. If you're of a certain age, Saga (don't laugh) are very competitive for unmodified vehicles

[TeamG]

I started with a multi car policy a few years ago and the insurer (LV) allowed me to put my full no-claims on the more costly to insure car. When I changed that one, they allowed me to swap it back to the original car. I’ve now built up 3yrs NCB on one and again flipped the full NCB when I changed another car.

For each year, the total cost was 10% lower than the best quotes combined. It certainly worked for me. Even year one with no NCB on a 15 yr old Jeep Cherokee 2.8CRD, it cost me a couple of quid over £200.

[Bob Meadows]

Is a classic car policy any use:~
I have a 240 & V70 ('88 & '97) both on one policy with limited mileage.
£246:00 for the two
£80:00 for a Riley
You would need a daily runaround car.
Peter S Taylor are excellent https://www.bishopcalway.co.uk/
Bob.

[ITSv40]

My C70 is on a classic agreed value policy and has been for the last 5 years. Only limitations are that it is a second car, limited mileage, usually garaged at home and not left on the street at night in London - I wonder why.

[Pupbelly]

Originally Posted by Bob Meadows

Is a classic car policy any use:~
I have a 240 & V70 ('88 & '97) both on one policy with limited mileage.
£246:00 for the two
£80:00 for a Riley
You would need a daily runaround car.
Peter S Taylor are excellent https://www.bishopcalway.co.uk/
Bob.

Bob,

Contacted them today. Very polite, professional and sensible prices too. Many thanks, Mark

[Bob Meadows]

Yes I agree:~ I've been with this company for many years- the service is spot on with a real customer focus.
Hope you get a good result.
Regards Bob

[400-ascona]

Most companies will give you a NCB discount on a second vehicle if you have full NCB on another. Phone the company that the first vehicle is insured with and I am confident they will be able to award NCB discount on a second.

[Familyman 90]

It may be worth a chat with your current insurer. A few years back I bought a Lexus Soarer on a whim as a toy. At the time it was not old enough that anyone would grant a classic policy, but my main car insurer (Privilege, if memory serves) gave me 4 years NCB on a new standalone policy for that car, which made it quite reasonable.

[DAN AT ADRIAN FLUX]

Hi.
Please feel free to give us a try for insurance if you wish.
Regards,
Dan.