Insurance Guide
Insuring multiple vehicles
Have you got lots of cars or a combination of different types of vehicle? Fed up with having to use several different insurance providers to get the best deal? Multi-vehicle insurance could be just what you are looking for.
Traditional insurers' computer systems can only handle a single vehicle per policy. But as we have become more affluent and a second or third or fourth car more common, a few enlightened insurers have designed their systems so that you can insure all your wheels at once under a single insurance policy.So whether you own a number of cars or a mix of different vehicles you could simplify your paperwork and save money too. Savings start when you are insuring at least one more vehicle than there are drivers and are greatest when that difference is really pronounced.
Examples: (All other permutations are possible)
2 Vehicles, 2 drivers = No advantage
3 Vehicles, 3 drivers = No advantage
3+ Vehicles, 2 drivers = Good
5+ Vehicles, 3 drivers = Good
5+ Vehicles, 2 drivers = Very good
7+ Vehicles, 3 drivers = Very Good
7+ Vehicles, 2 drivers = Great
10+ Vehicles, 3 drivers = Great
10 Vehicles, 1 Driver = Outstanding!
The advantage for insurers is that they get a more complete picture of you as an insurance risk. If you are 2 drivers with 5 vehicles the multi-vehicle insurer will usually charge much less than usual for vehicles 3/4/5 because they know that usage will be minimal – try persuading a traditional insurer to accept that argument!
The benefits for multi-vehicle owners are hugely simplified insurance documents, a single renewal date, the ability to add vehicles mid year whilst retaining the original renewal date and a premium that is generally much lower than the competition.
Multi vehicle specialists are also better able to offer unusual additional policy benefits such as comprehensive cover while driving a vehicle that you do not own, instead of the standard third party only cover.
Insurance brokers Primo plc identified the need to specialise in multi vehicle insurance several years ago and now are now able to quote competitively for almost any combination. Primo say that there is no typical profile and virtually every case is different.
Some clients may have several everyday cars. Others may have a collection where no two vehicles have a similar function.
Primo can usually accommodate all of the following:
Standard cars, modified cars, imported cars, high performance and high value cars, classic cars, motorcycles, classic motorcycles, motorhomes, vans, horseboxes and other unusual types.
You can call Primo plc free on: 05001 05001 www.primoplc.com.