how best to insure ??

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Wed 10 Sep 2008 12:17
how best to insure ?? - motorprop
Have added a 2nd urban 4x4 ( Nissan X trail , 04 plate ) to the current car, 3 door Mitsubishi Shogun Pinin , to accommodate a forthcoming baby .


I don't want to sell the Shogun Pinin ( W reg ) as it won't fetch much despite being in very clean nick with a recent cambelt change and my mum who lives mostly abroad although with British licence uses it when in the country as a named driver . I also own three ' classic ' cars on limited mileage policies , but one is up for sale to make way for the Nissan ( 1995 Mini Cooper )


The Shogun is insured with a main online company for a reasonable premium ( sub £400 fully comp for NW London on street ) , but trying to insure the 2nd modern car I get silly quotes, circa £800 , as they say your NCD ( I have 7 yrs ) only carries to one vehicle - I say I can only drive one at a time. I haven't yet bought a separate policy for the Nissan yet though I'm covered 3rd party when driving . Have had my clean licence for over 20 years - will be 40 in 2 weeks .

Anybody out there got a clue how to best insure this ' fleet ' . The classics apart from the Mini cost me £250 a year fully comp. Have not had a claim for over 15 years ??

Is there a policy to get the Shogun covered as a kind of Classic ? it only needs to be TPFT or even 3rd party only ..
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Wed 10 Sep 2008 12:25
how best to insure ?? - cheddar
>>I haven't yet bought a separate policy for the Nissan yet though I'm covered 3rd party when driving . >>

ONLY if the vehicle is otherwise insured AFAIAA !

Have a look at eCar www.ecarinsurance.co.uk/ they are flexible when it comes to more than one vehicle on a policy.
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Wed 10 Sep 2008 12:39
how best to insure ?? - motorprop
I asked my insurance co the specific question on the phone and they confirmed I have cover 3rd party even when the other vehicle doesn't carry it's own policy . I was surprised but not unhappy .
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Wed 10 Sep 2008 15:06
how best to insure ?? - Bill Payer
I asked my insurance co the specific question on the phone and they confirmed I
have cover 3rd party even when the other vehicle doesn't carry it's own policy .
I was surprised but not unhappy .

That's often (but not always) true - depends on the insurance company BUT - it only covers cars that you don't own.

Also, where is the car kept? You mentioned the other car is kept on the street, if the Nissan is, or you leave it somewhere for more than a few mins, then it's uninsured.
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Wed 10 Sep 2008 12:29
how best to insure ?? - andyfr
You could specify the maximum mileage annually, that helps to reduce the premium.

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Wed 10 Sep 2008 13:11
how best to insure ?? - deepwith
Go to the blue bar at the top of the page - go to Car Insurance. On the left side is a link to information about insuring multiple cars.
This year I am only insuring two cars and went with the Post Office in the end - got courtesy car, windsreen cover etc, then paid £299 (later had £50 cashback) on the X-trail and £199 on the Micra (again, £50 back). Both Fully Comp, me as main driver, basically for c.£400.
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Wed 10 Sep 2008 14:30
how best to insure ?? - motorprop
good tip, thanks a lot , will try shortly
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Wed 10 Sep 2008 14:42
how best to insure ?? - motorprop
deepwith, followed that link , which ultimately only yielded Primo, which I had already contacted ( waiting for quote )


you say you insured with the Post Office , was that direct with them or via a broker ?
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Wed 10 Sep 2008 15:10
how best to insure ?? - Bill Payer
Admiral do multi car policies.

Liverpool Victoria are pretty good with introductory discounts, but their premiums seem to vary wildly - good for some people, but way out for others.

Edited by Bill Payer on 10/09/2008 at 15:11

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Wed 10 Sep 2008 20:19
how best to insure ?? - deepwith
Was directed to the PO via price comparison sites then went on to their own site.
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Thu 11 Sep 2008 15:25
how best to insure ?? - motorprop
thanks for that, waste of time , Post Office wanted £1600 for both cars ..
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Thu 11 Sep 2008 18:20
how best to insure ?? - rtj70
First of all, if there is no policy on the Nissan you might find yourself spotted driving a vehicle without insurance. Lots of police cars have cameras now. You might be insured 3rd party but if the vehicle has no policy then I thought leaving it on the street is illegal, let alone driving it.

As for a solution. How often will you drive the Pinin youself? You seem to be keeping it for your mother when she's back in the UK. How about the Pinin is put in her name (if she's going to be the main driver) and insure the Nissan with your no claims discount. Putting the Pinin on a limited mileage policy in your mum's name and you as named driver might be fairly cheap?
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