LukeD
Member
Registered: 23rd Jan 07
Location: Shropshire
User status: Offline
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Hey up guys. My car seems to attract vandalism badly unfortunatly.  cant seem to leave it on any carparks etc without something happening to it. and it aint really job friendly with what i do.
Anyway as the car is slowly moving away from being a daily driver, i was wondering how does insurance work out on a second car?(an extremely cheap one). do i need seperate policies? etc? just a tad confused on the matter.
Any advice would be cool, including those who do it, and insurance companies with?
O and do you have to have insurance thats last 1year?, or can you go for 6months each on 2 cars for example?
Cheers, (apologise for questions galore) much appreciated. 
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Mobby
Member
Registered: 31st Dec 07
Location: Leicestershire
User status: Offline
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would like to know about this too
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Daniel_Corsa
Premium Member
Registered: 21st Apr 04
Location: Wigton, Cumbria
User status: Offline
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Would either have to add the second car to your existing policy or have 2 policies
Can only use your NCB on one policy.
Can insure shorter term than a year like upto 6 months.
April '06' Corsasport Feature Car  | Aug '08' Total Vauxhall Feature Car | Spring '09' Fast Car Feature Car
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Dave A
USER UNDER INVESTIGATION - DO NOT TRADE
Registered: 10th Dec 03
Location: County Durham
User status: Offline
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some insurers will mirror the no claims onto your new policy, as long as you are the only driver of both cars.
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Nick A
Member
Registered: 28th Nov 04
Location: Hertfordshire
User status: Offline
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2nd car policies don't tend to be cheap unless it is a classic car policy
e.g a vech thats older than 1993 (say a mk1 vw golf for example) that is a persons second car (weekend use), being used purley for social use and on a limited mileage policy (no more than 6000 miles per annum) prices tend to be between anything from £100-£500 depending on age etc
You can have two cars, ie your corsa luke has its no claims bonus on then say you bought another corsa for a daily driver (as long as you have no claims in the last 3 yrs) you can get a mirror discount on your second car policy 
you can also get laid up policies for limited use (eg, for when the car is only being used in the summer for shows)
[Edited on 12-07-2008 by Nick A]
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LukeD
Member
Registered: 23rd Jan 07
Location: Shropshire
User status: Offline
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cheers guys.
Seems the insurance part may be the only financial stumbing part at the moment. i have 3yrsNCB on the corsa. wanted the insurance to be cheap as possible and didnt fancy forking out around £550 for example.
So im guessing its cheaper to add 2cars to 1 policy than take out a second policy?, if so do all insurance companies do this?, guess its just a case of ringing a few up monday.
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MJ
Member
Registered: 18th Sep 03
Location: Hampshire Drives: ITR DC2 + Skoda Felicia
User status: Offline
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yer im looking at this also, the best way is to do quotes on a second with ncd and see wot the price is, also fone them up and say the sitution.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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You need NCB on every different policy.
You can either earn this outright by starting at zero and not claiming, or some insurers will offer introductory bonus or even match it.
Admiral for one will match via their multicar scheme.
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