two car family again after 20 years

Thomas-the-Terrano2 · 18-05-2016, 21:37

Hi,

so we still have T2, insured and registered in Mrs's name as has business cover.

In process of gaining her dad's car too, she is named driver on that but gather
will need it in her name for Swansea and insurer.

So I know we'll need to speak to our insurer and her dad's insurer.

Is it likely to be an issue if Mrs has two cars and 2 policies, plans to name me on
new car too.
Or I could take over T2 though wonder if business cover be trickier,

Or any experience with multi car covers.

Last time I toyed with insuring the T2, with nil NCB of my own wasnt much worse
than in Mrs's name with max ncb! think cos she'd be named driver on it?

Banshee · 18-05-2016, 22:24

Quote:

Originally Posted by Thomas-the-Terrano2

Hi,

so we still have T2, insured and registered in Mrs's name as has business cover.

In process of gaining her dad's car too, she is named driver on that but gather
will need it in her name for Swansea and insurer.

So I know we'll need to speak to our insurer and her dad's insurer.

Is it likely to be an issue if Mrs has two cars and 2 policies, plans to name me on
new car too.
Or I could take over T2 though wonder if business cover be trickier,

Or any experience with multi car covers.

Last time I toyed with insuring the T2, with nil NCB of my own wasnt much worse
than in Mrs's name with max ncb! think cos she'd be named driver on it?

What's the 2nd car though

jims-terrano · 18-05-2016, 22:37

Loads of companies do multi car policies but in fairness Direct Lines who I use call it multicar but it's still seperate policies getting discount because you are already with them.
Sounds daft but because of the project truck we've ended up with 3 cars and my sons car which are all insured through DL. All 3 of ours are in my name but the truck that my wife drives is insured in her name even tho I'm a named driver and vice versa with the other two.
Get quotes and be honest with the insurance companies, don't rule out the companies such as Direct Line as it is worth trying them too. I've tried Adrian Flux but they didn't come near DL. Also don't have loyalty to one company year after year, shop around every year.

As banshee says what's the other car?

Thomas-the-Terrano2 · 18-05-2016, 22:48

4x2
ford focus c max 16 petrol.

jims-terrano · 18-05-2016, 22:53

Neighbour of mine used to have a pair of those cmax things, he liked them.

Is it as a run about for you whilst the wife enjoys driving the truck?

Blocky10 · 19-05-2016, 07:47

We're on our first multi car policy this year with Hastings. My truck and bike are insured with them and I gave them a ring for a quote.
Multi car with them means both policies must be exactly the same. Level of cover, details regarding where stored over night etc. The wife had no noclaims and her car is in her name but she has been given full no claims as that's what I have, but it cannot be protected for the first 12 months. Wifey is also older than me which helped a little, so I'm told. Didn't tell her that bit though!

18-05-2016, 21:37	#1
Thomas-the-Terrano2 Moderator Join Date: Dec 2004 Location: Hackenthorpe Sheffield Vehicle: Terrano2 R20 lwb 2.7TDi Posts: 5,234	two car family again after 20 years Hi, so we still have T2, insured and registered in Mrs's name as has business cover. In process of gaining her dad's car too, she is named driver on that but gather will need it in her name for Swansea and insurer. So I know we'll need to speak to our insurer and her dad's insurer. Is it likely to be an issue if Mrs has two cars and 2 policies, plans to name me on new car too. Or I could take over T2 though wonder if business cover be trickier, Or any experience with multi car covers. Last time I toyed with insuring the T2, with nil NCB of my own wasnt much worse than in Mrs's name with max ncb! think cos she'd be named driver on it? __________________ M6YTB / 20YTB '60' 2010 Ford C Max Zetec 1.6i, black '56' 2006 Jeep Grand Cherokee 3.0TD, silver 2021 Bailey Pegasus Grade SE Turin caravan Smile, its more likely to confuse. One Life, Don't Just Live It, Drive a Nissan, or ...... a Jeep. Owner of Nissan 4x4s 2005 to 2019, and maybe in the future too!

18-05-2016, 22:48	#4
Thomas-the-Terrano2 Moderator Join Date: Dec 2004 Location: Hackenthorpe Sheffield Vehicle: Terrano2 R20 lwb 2.7TDi Posts: 5,234	4x2 ford focus c max 16 petrol. __________________ M6YTB / 20YTB '60' 2010 Ford C Max Zetec 1.6i, black '56' 2006 Jeep Grand Cherokee 3.0TD, silver 2021 Bailey Pegasus Grade SE Turin caravan Smile, its more likely to confuse. One Life, Don't Just Live It, Drive a Nissan, or ...... a Jeep. Owner of Nissan 4x4s 2005 to 2019, and maybe in the future too!

18-05-2016, 22:37	#3
jims-terrano Senior Member Join Date: Sep 2004 Location: UK Posts: 12,965	Loads of companies do multi car policies but in fairness Direct Lines who I use call it multicar but it's still seperate policies getting discount because you are already with them. Sounds daft but because of the project truck we've ended up with 3 cars and my sons car which are all insured through DL. All 3 of ours are in my name but the truck that my wife drives is insured in her name even tho I'm a named driver and vice versa with the other two. Get quotes and be honest with the insurance companies, don't rule out the companies such as Direct Line as it is worth trying them too. I've tried Adrian Flux but they didn't come near DL. Also don't have loyalty to one company year after year, shop around every year. As banshee says what's the other car?

18-05-2016, 22:53	#5
jims-terrano Senior Member Join Date: Sep 2004 Location: UK Posts: 12,965	Neighbour of mine used to have a pair of those cmax things, he liked them. Is it as a run about for you whilst the wife enjoys driving the truck?

19-05-2016, 07:47	#6
Blocky10 Senior Member Join Date: Mar 2014 Location: Welcome to Norwich, a fine city Vehicle: 2004 Terrano 3.0 SVE Auto Posts: 3,601	We're on our first multi car policy this year with Hastings. My truck and bike are insured with them and I gave them a ring for a quote. Multi car with them means both policies must be exactly the same. Level of cover, details regarding where stored over night etc. The wife had no noclaims and her car is in her name but she has been given full no claims as that's what I have, but it cannot be protected for the first 12 months. Wifey is also older than me which helped a little, so I'm told. Didn't tell her that bit though!