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Author quick insurance question about holding 2 policies
corsa987
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Registered: 8th Mar 09
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29th Aug 10 at 20:40   View User's Profile U2U Member Reply With Quote
is it possible to hold 2 policies at the same time? obviously you cant use the NCB on both. but could you use NCB on one policy and just have a seperate policy?
Ian
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Registered: 28th Aug 99
Location: Liverpool
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29th Aug 10 at 20:42   View Garage View User's Profile U2U Member Reply With Quote
Yes
corsa987
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29th Aug 10 at 20:42   View User's Profile U2U Member Reply With Quote
ah... cheers for that ian
Ian
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Registered: 28th Aug 99
Location: Liverpool
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29th Aug 10 at 20:49   View Garage View User's Profile U2U Member Reply With Quote
Only problem is that it gets a bit expensive as you can't use the bonus on the other car. Although some companies will match it if you ask them about taking out another policy. Admiral being one and there are others.
corsa987
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29th Aug 10 at 20:52   View User's Profile U2U Member Reply With Quote
would it be better to see if i could take a second car out on my current policy?
Ian
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Registered: 28th Aug 99
Location: Liverpool
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29th Aug 10 at 20:53   View Garage View User's Profile U2U Member Reply With Quote
They're normally separate policies but you can introductory bonus on the second one.

But yeah, can work out cheaper if you consult your existing insurer.
corsa987
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29th Aug 10 at 20:56   View User's Profile U2U Member Reply With Quote
just i have a policy with my corsa that is a converted redtop, as it is all delclared, but it is only used at the weekends really. and i am using the other halves car for work etc but i need a bigger car (mondeo size) but i obviously need the NCB for the corsa
Jake
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Registered: 24th Jan 05
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29th Aug 10 at 21:20   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Ian
Only problem is that it gets a bit expensive as you can't use the bonus on the other car. Although some companies will match it if you ask them about taking out another policy. Admiral being one and there are others.


HIC done this for me
noshua
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Registered: 19th Nov 08
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29th Aug 10 at 22:27   View User's Profile U2U Member Reply With Quote
Policy 1 - 3NCB
Policy 2 - 0NCB

Crash car on policy 2 - what happens with regards to your NCB come re-newal time with both policies?

[Edited on 29-08-2010 by noshua]
shaunmods
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Registered: 12th Mar 07
Location: Glascote, Staffordshire
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29th Aug 10 at 22:34   View Garage View User's Profile U2U Member Reply With Quote
quote:
Originally posted by noshua
Policy 1 - 3NCB
Policy 2 - 0NCB

Crash car on policy 2 - what happens with regards to your NCB come re-newal time with both policies?


You'll still have your NCB on policy 1 but you'd have to declare the crash which might put it up a bit

Eck
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Registered: 17th Apr 06
Location: Lundin Links, Fife
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29th Aug 10 at 22:37   View Garage View User's Profile U2U Member Reply With Quote
Wouldn't an admiral multi car policy eliminate this problem?

 
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