Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie
Hi there,
There is an issue with role permissions that is being worked on at the moment.
If you are having trouble with access or permissions on regional forums please post here to get access: https://www.boards.ie/discussion/2058365403/you-do-not-have-permission-for-that#latest

Multi car insurance

  • 22-01-2019 11:06am
    #1
    Shefwedfan
    Closed Accounts Posts: 18,958 ✭✭✭✭


    Ok just wondering has anyone got multi car insurance. I am looking at second car for Au Pair and rang insurance company so they gave me the following advice.


    So I have my own policy, put Au Pair onto this policy and then put it onto whichever cars make financial sense
    Buy new car and then take out new policy on this car. You will have no NCB or anything as this is new car. You will then need to build up NCB on this car


    You cannot have a large policy with a number of cars and drivers on it. Irish insurance does not allow for this.


    This seems a bit mad. Just wondering has anyone found a better way to insure so I can use the NCB I have built up to get a discount?


Comments

  • #2
    ondafly
    Registered Users, Registered Users 2 Posts: 2,187 ✭✭✭ondafly


    in a slightly similiar situation - looking to pickup a 2nd car for myself. My only option so far is a new policy with zero ncb. Its a car that will only be driven on the weekends, i.e. limited mileage.


  • #3
    Rows Grower
    Registered Users, Registered Users 2 Posts: 8,576 ✭✭✭Rows Grower


    ondafly wrote: »
    in a slightly similiar situation - looking to pickup a 2nd car for myself. My only option so far is a new policy with zero ncb. Its a car that will only be driven on the weekends, i.e. limited mileage.

    Buy a classic.

    "Very soon we are going to Mars. You wouldn't have been going to Mars if my opponent won, that I can tell you. You wouldn't even be thinking about it."

    Donald Trump, March 13th 2018.



  • #4
    ondafly
    Registered Users, Registered Users 2 Posts: 2,187 ✭✭✭ondafly


    Rows Grower wrote: »
    Buy a classic.


    did that before with an E21 - want something modern this time.:pac:


  • #5
    9935452
    Registered Users, Registered Users 2 Posts: 2,835 ✭✭✭9935452


    ondafly wrote: »
    did that before with an E21 - want something modern this time.:pac:


    You can get classic insurance on 15 year old bmws, possibly all german cars


  • #6
    drunkmonkey
    Registered Users, Registered Users 2 Posts: 28,691 ✭✭✭✭drunkmonkey


    I took out a new policy recently as didn't want to have a car I was selling not insured I already had my new car.
    Took out a new policy on the new car, NCD never came into it, when I sold the old car I then cancelled the new car policy and transferred the new car to the old policy. Both policy's were identical, NCB insured etc.
    No issue with the insurance company doing it. AXA.


  • Advertisement
  • #7
    ondafly
    Registered Users, Registered Users 2 Posts: 2,187 ✭✭✭ondafly


    9935452 wrote: »
    You can get classic insurance on 15 year old bmws, possibly all german cars


    not anymore ! autoline I assume ? tried on Monday for a 2001 M3 - was denied, car needs to be 20 years old now.


  • #8
    9935452
    Registered Users, Registered Users 2 Posts: 2,835 ✭✭✭9935452


    ondafly wrote: »
    9935452 wrote: »
    You can get classic insurance on 15 year old bmws, possibly all german cars


    not anymore ! autoline I assume ? tried on Monday for a 2001 M3 - was denied, car needs to be 20 years old now.

    Alliance were doing it up to a few years ago. Not sure about now though


  • #9
    jimgoose
    Registered Users, Registered Users 2 Posts: 20,194 ✭✭✭✭jimgoose


    Several insurers in the UK provide multicar products, it's considered quite normal. Here, asking about a multicar policy seems to be equivalent to producing the insurance agent's mother's disembowelled carcass and asking them to "insure this, bee-yotch!!". Could someone provide a sensible explanation for why this should be the case?


  • #10
    Marcusm
    Registered Users, Registered Users 2 Posts: 10,627 ✭✭✭✭Marcusm


    jimgoose wrote: »
    Several insurers in the UK provide multicar products, it's considered quite normal. Here, asking about a multicar policy seems to be equivalent to producing the insurance agent's mother's disembowelled carcass and asking them to "insure this, bee-yotch!!". Could someone provide a sensible explanation for why this should be the case?

    There are quite a few multicar providers in the uK but they didn't in my experience mirror a single NCB onto multiple cars. When I first started a musical policy (Admiral), each car came on with its own NCB at the respective renewal dates. From he first year, each policy ran to the same termination date. The multicar discount was essentially volume/loyalty based - got even better if I added house insurance etc.

    Some years I found better prices for one or other car elsewhere and would have a fight etc with them. By the time I left the UK I had separate policies, hilariously with separate sub brands of AXA although no mulitcar element. Since I've been in Ireland, Liberty has been the best pricing for my two cars with independent NCBs. It gives a 10% discount for a second policy so similar approach to what I had with Admiral.

    Unsure if some other UK companies give explicit mirroring of NCB or whether it's just that they can price the the policy lower as the NCB implies a lower incidence of claim.


Advertisement