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Can you insure more than one vehicle under a single policy?

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1ManRiot
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2011/03/24 13:47:32 (permalink)
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Can you insure more than one vehicle under a single policy?

As above, if I have two cars, is there something out there to have them under one policy?

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    Pastafarian
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    Re:Can you insure more than one vehicle under a single policy? 2011/03/24 13:55:05 (permalink)
    Admiral multi car often works out cheaper for two cars than for one with other providers,in my own experience anyway 

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    #2
    peagreen
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    Re:Can you insure more than one vehicle under a single policy? 2011/03/24 14:12:02 (permalink)
    Read the small print as I believe it is intended for families, as I believe you have to name a dedicated driver to each car on the policy - thus stopping someone having several cars they own individually under one policy - I could be wrong though.

    “Anyone who makes up their mind about an issue before they hear the issue is a fool.”
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    13.3kg increase in 5 months.....

    #3
    1ManRiot
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    Re:Can you insure more than one vehicle under a single policy? 2011/03/24 14:12:38 (permalink)
    So with that Admiral multi-car I could insure my normal car and then a van to drive either and pay 1 premium?

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    peagreen
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    Re:Can you insure more than one vehicle under a single policy? 2011/03/24 14:42:40 (permalink)
    I wouldn't have thought they would cover a van because they would class it as a commercial vehicle.

    “Anyone who makes up their mind about an issue before they hear the issue is a fool.”
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    13.3kg increase in 5 months.....

    #5
    essex_chris
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    Re:Can you insure more than one vehicle under a single policy? 2011/03/24 14:47:29 (permalink)
    Also bear in mind that depending on your policy, you may be covered 3rd party fire and theft on another vehicle anyway.
     
    So if you had a cheap work van and just wanted to cover yourself for possible accidents that are your fault and damage other peoples expensive cars, then you could stick with one policy, then drive the other one. It could belong to your dad for example, and it might be peanuts for him to be insured on it. Or a mates, loads of ways of doing it

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    klein
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    Re:Can you insure more than one vehicle under a single policy? 2011/03/24 14:51:58 (permalink)
    essex_chris

    Also bear in mind that depending on your policy, you may be covered 3rd party fire and theft on another vehicle anyway.

    So if you had a cheap work van and just wanted to cover yourself for possible accidents that are your fault and damage other peoples expensive cars, then you could stick with one policy, then drive the other one. It could belong to your dad for example, and it might be peanuts for him to be insured on it. Or a mates, loads of ways of doing it

     
    if the van isnt explicitly insured then he will get pulled by the cops constantly! I dont know how you would tax it either.... in fact, surely this method cannot be possible legally?
     
    I got pulled last weekend in a car I was test driving because the car wasnt classed as insured, traffic cops with an ANPR camera, car didnt have trade plates on as it was still taxed. Was literally out in it for ten minutes too
    #7
    essex_chris
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    Re:Can you insure more than one vehicle under a single policy? 2011/03/24 15:04:19 (permalink)
    I'm not suggesting not insuring the car itself, but a relative banger in somebody elses name can be driven by you so long as your policy covers you driving other vehicles, but only 3rd party.
     
    For example my dad can drive my brothers car, or mine, despite not being a named driver on them, though if involved in a crash the insurance covering him to drive would only be 3rd party

    Awesome pic, but Tony you're not doing yourself many favours posting up tips on preventing the gag reflex and then a picture of a guy touching his toes - Ak
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    klein
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    Re:Can you insure more than one vehicle under a single policy? 2011/03/24 15:55:07 (permalink)
    ok, right I get you, yep my policy covers me to drive other cars 3pft.
     
    this doesnt help the op if he wants to buy another car, unless he gets someone else to insure it which is probably a bit questionable!
    #9
    Red Bull
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    Re:Can you insure more than one vehicle under a single policy? 2011/03/24 16:02:54 (permalink)
    Also you can only use your no claims discount on one policy can't you? Which is quite frankly BS.

    Festar: You can't plead poverty with 2 cars. That's like a little Kenyan chap pleading poverty with 2 packets of uncle bens rice hidden under his bed.
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    Pastafarian
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    Re:Can you insure more than one vehicle under a single policy? 2011/03/24 17:45:30 (permalink)
    I once insured a van for work and then with the same supplier got a second policy for an MR2 on limited miles it was pitance then.
     
    Under admiral multi car youll be taking two polices but they are so cheap to insure the wife and myself on two cars was cheaper then just me on one car with all the other providers

    Everyone has been in shape,but not everyone is IN shape,its about where your going not where you have been.
    #11
    infidel
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    Re:Can you insure more than one vehicle under a single policy? 2011/03/24 18:25:32 (permalink)
    peagreen

    Read the small print as I believe it is intended for families, as I believe you have to name a dedicated driver to each car on the policy - thus stopping someone having several cars they own individually under one policy - I could be wrong though.


    you are wrong.
    i have six cars insured under one policy.
    liverpool victoria is the company that i use, but there are others.
    #12
    infidel
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    Re:Can you insure more than one vehicle under a single policy? 2011/03/24 18:29:29 (permalink)
    essex_chris

    I'm not suggesting not insuring the car itself, but a relative banger in somebody elses name can be driven by you so long as your policy covers you driving other vehicles, but only 3rd party.

    For example my dad can drive my brothers car, or mine, despite not being a named driver on them, though if involved in a crash the insurance covering him to drive would only be 3rd party

    not on my policy, it isn`t.
    i can drive almost any vehicle,all being covered fully comp.
    #13
    peagreen
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    Re:Can you insure more than one vehicle under a single policy? 2011/03/24 18:31:22 (permalink)
    ^^^ I was told I could not do that under one policy, maybe things have changed?  They told me, for all intense purposes what I wanted was a traders policy.  Can I ask how you managed to get six cars under one policy - I was told you had to name each inidvidual driver to justify each car on the policy, you can take this to PM if you prefer.  I had three cars at one point, two classics and my normal runaround, which was why I looked into it.

    “Anyone who makes up their mind about an issue before they hear the issue is a fool.”
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    13.3kg increase in 5 months.....

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    tac
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    Re:Can you insure more than one vehicle under a single policy? 2011/03/24 18:31:51 (permalink)
    essex_chris

    I'm not suggesting not insuring the car itself, but a relative banger in somebody elses name can be driven by you so long as your policy covers you driving other vehicles, but only 3rd party.

    For example my dad can drive my brothers car, or mine, despite not being a named driver on them, though if involved in a crash the insurance covering him to drive would only be 3rd party

    The TPFT only covers you to drive vehicles that you dont own - if you actually own the vehicle and are the main (or even only) driver and have just registered the logbook in someone elses name (all of which is do-able) the insurasnce company can use that as an argument not to pay out in the event of a a claim (apparently). Looked into it when my son turned 18 - possiblility of him buying a tiny corsa or micra, insuring himself on that and actually driving my dad's car (which he cant drive any more due to alzheimers) but were advised that while it would work, if the insurance company got wind of the fact that he was the main driver on the 2nd vehicle and it was more than an occasional borrow of the car then it would cause big probs.


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    infidel
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    Re:Can you insure more than one vehicle under a single policy? 2011/03/24 18:32:31 (permalink)
    Red Bull

    Also you can only use your no claims discount on one policy can't you? Which is quite frankly BS.


    that is the case with some insurers, but not all.
    if you argue the point, most will allow no claims to apply to all vehicles. they don`t like it, but it can be done.
    #16
    peagreen
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    Re:Can you insure more than one vehicle under a single policy? 2011/03/24 18:34:06 (permalink)
    infidel

    essex_chris

    I'm not suggesting not insuring the car itself, but a relative banger in somebody elses name can be driven by you so long as your policy covers you driving other vehicles, but only 3rd party.

    For example my dad can drive my brothers car, or mine, despite not being a named driver on them, though if involved in a crash the insurance covering him to drive would only be 3rd party

    not on my policy, it isn`t.
    i can drive almost any vehicle,all being covered fully comp.

    If the car does not have it own individual insurance (via someone else), you may be able to drive it legally but if you step out of the vehicle and leave it on a public road, that is illegal, as the car is uninsured without you in it, whether you have comprehensive or whatever insurance.

    “Anyone who makes up their mind about an issue before they hear the issue is a fool.”
    ― Chris Rock
     
    13.3kg increase in 5 months.....

    #17
    infidel
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    Re:Can you insure more than one vehicle under a single policy? 2011/03/24 18:35:16 (permalink)
    take the case of a car repair company.
    they test drive all sorts of vehicles on a daily basis.
    every customers car is insured by them, fully comp.
     
    #18
    peagreen
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    Re:Can you insure more than one vehicle under a single policy? 2011/03/24 18:36:35 (permalink)
    infidel
    take the case of a car repair company.
    they test drive all sorts of vehicles on a daily basis.
    every customers car is insured by them, fully comp.

    But that is a traders policy, a completely different type of policy to a personal one.

    “Anyone who makes up their mind about an issue before they hear the issue is a fool.”
    ― Chris Rock
     
    13.3kg increase in 5 months.....

    #19
    Red Bull
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    Re:Can you insure more than one vehicle under a single policy? 2011/03/24 19:31:54 (permalink)
    infidel

    Red Bull

    Also you can only use your no claims discount on one policy can't you? Which is quite frankly BS.


    that is the case with some insurers, but not all.
    if you argue the point, most will allow no claims to apply to all vehicles. they don`t like it, but it can be done.

    Interesting, thanks. Too me its nonsensical not to allow it, how do i suddenly become more of a risk on one of my cars over the other its the same driver doing the same total miles per year.

    Festar: You can't plead poverty with 2 cars. That's like a little Kenyan chap pleading poverty with 2 packets of uncle bens rice hidden under his bed.
    #20
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