Insurance cover for a third car

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Mon 14 Apr 2003 19:40
Insurance cover for a third car - PaulF
My wife and I both have cars each with our own separate insurance policies.
I would like to buy an additional car to use occasionally,say for commuting (Max.8000 miles pa). What's the most cost effective way of getting insurance cover for this car?
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Mon 14 Apr 2003 20:42
Insurance cover for a third car - Fullchat
Axa Direct who insure both mine and my wifes car insured me a third car in my name with full NCB.
This third car is it going to be a cheap runabout or is there some money going into it? If its a cheapie and it got stolen or total loss and you could shrug it off could be worth considering TPFT.
Contact your normal insurer and see what they have to offer.
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Mon 14 Apr 2003 23:13
Insurance cover for a third car - Andrew-T
There was a thread about just this around a month ago. Full Chat has pulled a good one if he got full NCD. In my limited experience (and some of the other contributors') this is unusual; a second car has to build up its own.
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Mon 14 Apr 2003 23:27
Insurance cover for a third car - Gen
Yep, usually start NCB again. Then again, is usually a third car that little Bobby is going to drive ...will make a big difference if you plan to have any other drivers but you and your wife (particularly young)
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Tue 15 Apr 2003 08:41
Insurance cover for a third car - Cliff Pope
Sounds like a case for a classic. Insurance about £100, no NCB to risk, no tax, limited mileage discount, any driver, fun.
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Tue 15 Apr 2003 15:27
Insurance cover for a third car - Andrew-T
Incidentally, recently renewed cover for my second car - K-reg 205, insured TPFT, 3 yrs NCD - and found that premium was about 10% LESS if SWMBO was on as named driver than without. Odd, isn't it?
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Tue 15 Apr 2003 15:30
Insurance cover for a third car - Rob the Bus
Andrew - oddly enough the insurance for my Granada was roughly 10% cheaper if I included SWMBO, and she only has a provisional licence.

My f-i-l's insurance dropped by over £50 on his Toyota Camry when he added me. Sometimes I think that insurance companies just think of a number, then double it when they come up with premiums. I've recently been shopping around on t'internet for my f-i-l, who now runs a Toyota Pickernick and the quotes have ranged from an entirely reasonable £200 to over £600! How the heck does that work then?
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Tue 15 Apr 2003 15:34
Insurance cover for a third car - Alfafan {P}
It seems to be a bit of a lottery. I did a couple of online checks recently and with Churchill I got a quote for about £200. I checked through Lloyds Bank and the cheapeast they came up with was £280. With Churchil!!!
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Tue 15 Apr 2003 15:39
Insurance cover for a third car - Rob the Bus
Alfafan - that's exactly what happened with me! I checked the Lloyd's TSB site and they quoted £252 with Churchill. I then checked Churchill's site and they quoted £200 exactly. Is it any wonder some people don't bother with insurance anymore?
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