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Conference terri::cars_uk

Title:Cars in the UK
Notice:Please read new conference charter 1.70
Moderator:COMICS::SHELLEYELD
Created:Sun Mar 06 1994
Last Modified:Fri Jun 06 1997
Last Successful Update:Fri Jun 06 1997
Number of topics:2584
Total number of notes:63384

734.0. "2 cars + 2 drivers = 1 cheap insurance policy ?" by AYOV10::PDAGLEISH () Mon Aug 21 1989 13:58

    I plan to come out of the car lease system in December, buy a
    second-hand car ( it may be a Reliant Robin -:) ) and insure it
    myself. 
    
    I know that the Royal will give a certificate of 'no claims bonus'
    for the three years that I have been in the scheme.
    
    My wife's car is also insured with the Royal and has maximum no
    claims bonus.
    
    Is there an insurance company that will insure both cars and ourselves
    under the same policy ( so that I don't have to pay two premiums )
    
    We both clock about 4000 miles per year, I am tea-total, and she
    near enough to make any difference.
    
    Anyone had a similar situation ?
    
    Phil
T.RTitleUserPersonal
Name		DateLines
734.15Any recent info?WELLIN::NISBETLet me see that Hymn sheet ...Tue May 12 1992 10:2721
    I've read the notes in this topic, but they're over 2 yrs old so
    presumable they'll be out of date judging by todays crazy insurance
    premiums.
    
    We've just had to cancel the purchase of a second hand car (1.6S
    Fiesta) because the premium would have been �800 (two named drivers,
    based in North West, Fully Comp). 
    
    We currently have a Fiesta 1.6S, which costs us an annual premium of
    �930 (any driver, fully comp, North London). UNFORTUNATELY, the
    insurance company have us down as owning a 1.6L diesel! So we expect
    another bill since the 1.6S is officially classed (by them presumably)
    as a sports car. There definition of a sports car and mine must differ
    enormously. The Fiesta 1.6S is pretty brisk, but it isn't earth
    shattering.
    
    We're looking for a 2 car 2 driver policy, living in Lancs. both
    drivers over 25. Any recent experiences or advice?
    
    dougie
734.16SUBURB::THOMASHThe Devon DumplingTue May 12 1992 13:439
	NG TC 3.5 V8     2-drivers       270 quid - can't remember who with

	Montego 2.0GTI   2-drivers       350 quid Royal I think, through
					 swinton insurance

	The NG would have been 50 quid cheaper if I was over 40

	Heather
734.17Only one NCB ?FUTURS::FIDOTue Jun 30 1992 14:186
    The main problem with these 2 car, 2 driver policies appears to be that
    only one NCB gets increased ( according to brokers I have spoken to ).
    Has anyone got one of these policies that allows both drivers to carry
    on getting their own NCB ?
    
    Terry
734.18SUBURB::THOMASHThe Devon DumplingWed Jul 01 1992 10:1316
>    The main problem with these 2 car, 2 driver policies appears to be that
>    only one NCB gets increased ( according to brokers I have spoken to ).
>    Has anyone got one of these policies that allows both drivers to carry
>    on getting their own NCB ?
 
	I was in this situation, I had a copy of the NCB, and touted it around
	different brokers, I ended up with full NCB, and with the number of 
	actual years personal NCB stamped across the front - which started at
	zero.

	So, I could build my real NCB up, whilst paying the low rate for full 
	NCB - if you see what I mean.
	
	Heather
734.19SUBURB::THOMASHThe Devon DumplingWed Jul 01 1992 10:176
	Oh, and I forgot - Dave has full NCB on a car, he has a second car, and
	as he can proove he has full NCB on the first, they'll give him full
	NCB rate on the second - whilst he builds up the second NCB.

	Heather