GolfGTIforum.co.uk
General => General discussion => Topic started by: Miss_GTI on 28 November 2006, 22:42
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Hi guys, you have all been so helpful already - here is another one for you!!
Im planning to give my 1990 golf a bit of a well earned rest and am going to give it some tlc and use it purely for leisure, I am buying a newer model for day to day use. It seems to me a few of you on here have a number of cars so what is the cheapest way of insuring them both.
Any help much appreciated, thank you x
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Best person to ring would prob be martinb off these forums. He works for an insurance firm so could prob sort you out with a good deal. I know i would go to him if i needed to insure both of mine.
It is still going to be expensive though as they will be running side by side, (i would have guessed about 5-600 for the main car and another 400 for the other.
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elephant do this thing where you can insure a second car for 3 months a year on the same policy, i did the same when i had my dads mark 3 8v and my scirocco on the policy at the same time. You do it on a month to month basis so you could have it insured for one month, then not the next then back on the month after.
My point being is that when you need to insure your mark 2 you can add it on for a small fee
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I know with bikes a lot of people have multi-bike policies where they have more than 1 bike on the policy, wonder if they do that for cars?
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In my opinion its best to keep them seperate.
If your current Golf is only going to be used part of the year and can be garaged securely you could insure that 3rd Party F&T and on a very low mileage. Prob only cost say £300 max.
Linking them is dodgy I was always told.
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I have three seperate insurances for all mine and I only get no claims on one of them. They will not pass it onto other policies. My camper and Rallye are insured for limited mileage only, 5k & 7.5k respectively and that's your cheapest option. As already mentioned, ring martinb of HIC (see his posts as his number is on there, or the deals & discounts section) and he'll be able to advise you and get you a decent deal. I don't use my camper at all over the winter months and I personally wouldn't go without insurance on it and I think that's a very bad idea, no matter how secure your garage is.
If you'll do 10k miles a year with two cars, why not split the mileage on each so you might have your insurance for a daily driver to 6k limited miles a year and have your NCD on that and then insure a mk2 with 4k miles a year and then it doesn't matter as much about your NCD as that should be cheaper anyway. :smiley:
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Cheers for the recommendations guys!! :cool:
Hi guys, you have all been so helpful already - here is another one for you!!ÂÂÂ
Im planning to give my 1990 golf a bit of a well earned rest and am going to give it some tlc and use it purely for leisure, I am buying a newer model for day to day use. It seems to me a few of you on here have a number of cars so what is the cheapest way of insuring them both.
Any help much appreciated, thank you x
There are a few options i could suggest for you:
*we offer a mirror ncb scheme where you can insure a second vehicle with nil ncb and we will still allow the same discount you have on your main vehicle (subject to you having no fault claims in past 3 years)
*the mk2 is old enough to qualify for our classic schemes now so if its a sencond vehicle on low miles should be very cheap
*we can actually do short period policies (14days to 6months) so that could be another possibilty however these can be costly when you compare the day to day cost with an annual policy
If you want me to have a look then feel free to pm me your number and i will see what i can do! :smiley:
Gibby - our classic policies have recently been changed so they do build up a NCB so you should start getting some on those now!
We do offer multi vehicle policies but only really for very old classics (ie aircooled) and the drivers must be over 30 (classic too! :laugh:) and they are a nightmare for me to work out so i hate em!! :grin:
Hope that helps!
Martin :smiley:
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Gibby - our classic policies have recently been changed so they do build up a NCB so you should start getting some on those now!
We do offer multi vehicle policies but only really for very old classics (ie aircooled) and the drivers must be over 30 (classic too! :laugh:) and they are a nightmare for me to work out so i hate em!! :grin:
Nice one Martin. :afro:
Oh yeah, and the second statement, is that for when you have more than one air-cooled vehicle ? Cos I might qualify ! :evil:
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What have you bought? :huh:
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Nice one Martin. :afro:
Oh yeah, and the second statement, is that for when you have more than one air-cooled vehicle ? Cos I might qualify ! :evil:
has to be at least 3vehicles, over 15years old, under 5000miles
What have you got now then??
:wink:
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ha ha, no I haven't bought anything else ! I'm struggling to store three at the moment ! :laugh:
I was meaning that with an air-cooled van and over 30 I may be eligible ! :laugh:
So is that 5k for three vehicles or 5k per vehicle ????? All my cars are over 15 years so I am eligible. I may have to make your life a misery working that out next year Martin. :evil: But only if it's more that 5k for all three.
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ha ha, no I haven't bought anything else ! I'm struggling to store three at the moment ! :laugh:
I was meaning that with an air-cooled van and over 30 I may be eligible ! :laugh:
So is that 5k for three vehicles or 5k per vehicle ????? All my cars are over 15 years so I am eligible. I may have to make your life a misery working that out next year Martin. :evil: But only if it's more that 5k for all three.
thats 5k per vehicle so yeah you probably would qualify (unless i can figure out any other way of getting out of it in the meantime :laugh:)
I have not dealt with many of these multi vehicle policys (i usually try to pass the buck to someone else :laugh:) so not sure how they are with things like mods/agreed value/ncb etc but we can look at that at the time for you! :smiley:
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I am going to need to re-do my quote with you martin soon, lower the miles down to 3000 a year and a second car policy thing!
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no worries buddy, sent me a pm when you want me to have a look for ya! (but not tonight cos i wanna go home!! :wink:)
:smiley:
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yea will do pal, i have more important things to worry about anyway like pizza!
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Once again thanks everyone - Martinb I will get in touch when I have found my newest addition - cheers!!
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No probs, speak to you soon! :smiley:
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Gibby I wasnt for one minute advocating not insuring the car, just if it was secure then 3rd party F*T would be sufficient rather than fully comp!
On my cars I have two seperate policies with seperate companies and full NCB on both of them. I built up those ncb's seperately too!
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Gibby I wasnt for one minute advocating not insuring the car, just if it was secure then 3rd party F*T would be sufficient rather than fully comp!
Yeah I know, I got that completely wrong didn't I ! I don't know where I read that from. :laugh:
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Gibby I wasnt for one minute advocating not insuring the car, just if it was secure then 3rd party F*T would be sufficient rather than fully comp!
I totally agree with this too. Its something a lot of younger drivers should definately consider when getting quotes because unless your car is particularly high value its just not worth going fully comp imo cos after you have paid your premium + the excess you are often paying out more than you are going to get back for your car in the event of a claim anyway which is pointless!
Also many younger drivers just ask for Comp to get the "Driving other cars" on their policy as there seems to be a mistaken belief that you can only get this on comp which is incorrect, most of our TPFT policies allow it if you are 21 or over (19 on some policies!!) and have an acceptable occupation (eg not student or motor trade etc).
:smiley:
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does that drive other peoples cars thing apply for when you start a policy at the age of 20 but then will be 21 half way through the policy?
for example, if i was to take a policy out with yourselves now (aged 20) would I be then covered on other peoples cars when I turn 21 in june?
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unfortunatley not mate, it would not be added on until your next renewal :sad:
same as if you have a birthday midway thru your policy your premium does not go down and we dont call you and give you some money back!! :laugh:
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damn! would make life so much easier if i could drive my parents cars too. I would have to cancel the policy then start it again wouldnt I, which would then mean to start again on my no claims
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Can't you just get a six month policy Neaty ?
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damn! would make life so much easier if i could drive my parents cars too. I would have to cancel the policy then start it again wouldnt I, which would then mean to start again on my no claims
yeah i know mate it sucks, the extra years ncb is probably worth more to you. As Gibby has said though i could do you a 6month policy its just whether or not the extra cost is worth it to you as short term policies dont count towards your no claims either....but your insurance would be cheaper after your birthday too :undecided:
:smiley:
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yea i think a 6 month policy looks like the best option for the 16v, then see what is best for the other car that i want to insure. You know you mention on some policies its 19 to drive other peoples cars, what qualifies you to do that?
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one of the underwriters we use will give DOC to pretty much anyone as long as you are 19 or over regardless of your occupation but they are a bit hit and miss as to whether they quote and they will only cover certain cars......i did have a quick look for you and they would be willing to quote for you but want about £2500!! :shocked: that does include driving other cars though!! :grin:
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that would go down when I am 21 then? was that for my 16v?
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yeah that would go down when you were 21 and was for your 16v but it wouldnt matter anyway cos if you waited til then the other company i quoted you with in the first place who were cheaper would give you the driving other cars anyway :smiley:
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right I C, well prob best to get a 6 month policy then go with that one that was dead cheap. Should be even cheaper as I will be bringing the mileage down to 3000 a year too
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cool mate, let me know if you want me to give you a bell and work out a 6month price for u! :smiley:
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It's not that bad to do, problem i've found is the insurance companies give me good quotes on the Dub and then rubbish ones on the audi or vice versa!
Ended up with the Dub via Martin at HIC and my Audi with Greenlight
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problem i've found is the insurance companies give me good quotes on the Dub and then rubbish ones on the audi or vice versa!
:embarassed:true we were pretty pants on the Audi......but it does sound pretty insane!!!! :cool: :grin:
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will do martin, cheers
ooo, tell us more about this audi
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modded S2 with about a million brake horse powers.....!!! :cool:
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not having much luck getting rid of my bike at the mo... looking into gettin a loan and gettin another decent vw... some thing older that holds its value, and keeping the vr as a road legal track car so will need dual insurance, what is classed as classic now??
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right to qualify for our classic policies, as a rule:
*for our classic policies the vehicle must be at least 15years old
*the maximum mileage to qualify for our classic schemes is 7500 per year
*Our classic policies do build up ncb unlike the majority of classic policies (this is a recent change so those that have been told otherwise, it is no longer the case!)
*ideally they will be second vehicles or you will have unrestricted access to another vehicle (but not essential)
:smiley: