Dual car insurance policy ???

step_change · Post by **step_change** » Mon Dec 02, 2019 9:47 am

Hi all,
I have a Z4 35is and a 535 MSport (£15000 and £18000ish cars respectively). Both business mileage policies. 20000 a year across both cars in total mileage (business and personal). Fully comp with £300 compulsory excess and £300 "voluntary" excess. No extra add-ons.

I am 52 (very youthful

), full no claims and live in a nice area. Z4 always garaged when at home.

£915 with Aviva I paid last Feb 2019, been a customer of theirs for five years. Called them up and that was the best they would do or goodbye. I reckon that's starting to get a bit steep??

Is it worth going dual car policy you reckon? Or should I now split them up? Be interested what you guys pay for you Zeds in a similar position to me

Any thoughts guys?

adam1985 · Post by **adam1985** » Mon Dec 02, 2019 10:09 am

I would try Admiral and Esure multi car policies to see what prices you can get. With Admiral if i put those two cars, 52 year old male with full no claims living at my address with £300 voluntary excess the price comes out at £835

enuff_zed · Post by **enuff_zed** » Mon Dec 02, 2019 10:24 am

Direct Line give me good prices for both my cars as separate policies, with a discount for having more than one.
Also have house insurance with them which helps a bit too.

But, of course, my Z is on less miles and no business use on either car, so not a true comparison with yours.

Mr Tidy · Post by **Mr Tidy** » Mon Dec 02, 2019 8:56 pm

I've tried getting multi-car quotes a couple of times and both times they were competitive with one car, but not the other so I ended up insuring them separately each time.

This April the best quote I could find for my 330i was with Churchill (£328), and when my Z4 came up for renewal in June Chris Knott's price had gone up again. Despite declaring a couple of mods (exhaust and wheels) Churchill were cheaper for that as well at £337.

But I don't have business use as I no longer work (I'm 60), and mileages are much lower. Although so is my excess at £300 in total! Protected full NCD with Legal Expenses but no Breakdown cover as I do that with RAC since it covers any car I am in.

I'd just get on a comparison website - I would hope you could do better than what Aviva are asking for.

buzyg · Post by **buzyg** » Mon Dec 02, 2019 10:05 pm

We have used multi car policies for a good few years. They work really well for us. We were with direct line but that crept up, So last year we switched every thing to LV. Saved around 30% compared to the best we could get out of direct line. I expect it will creep up, just like they all do, over the next few years and then we will move the whole lot over again.

Worcester_spoon · Post by **Worcester_spoon** » Mon Dec 02, 2019 10:47 pm

Deffo worth a go. I insure the Zed, a CRV and a Fiesta for £545 a year. Admiral multi car. Push hard for discounts once you get the initial quote as they have lots of levers to pull.

Zed Baron · Post by **Zed Baron** » Tue Dec 03, 2019 12:09 am

I have a multi car policy with Esure, covers the Z and the IQ and works out about £460 a year with protected NCD. Just renewed the IQ part of the policy, shopped around first and then rang them up and got £60 off the renewal quote.... be prepared to haggle!

Mind Bomb · Post by **Mind Bomb** » Tue Dec 03, 2019 11:31 am

I dont know much about 'business miles' so not really sure if thats a lot - but it does seem steep mind..

I use the obvious sites each year (confused.com mostly, so i dont have to re-enter my details each year), about 1 month before my insurance is due and i pay about £400 combined for both cars. now on different policies as the combined ones ended up more expensive.

my weekend car is a 91' mercedes SL - with Lancaster insurance at £175 but thats on a 3k mileage a year. The 3.0 Zed was £200 with Hastings Direct - they always seem to be good with prices, and ive been with them for a few years (although only because they come up cheapest on confused.com)

I'm a year younger than you (woohoo!) but similarly live in a nice area - though it is next door to Margate

- the Merc is garaged and the Zed on the drive.

Ive found sorting out the insurance a month before its due does lower the price considerably. I bought a BMW 645ci a while back and i was quoted £1200 - i didnt pay that kind of money in my teens! - so i changed the cover start date to a month later and it came in at £300.

Theres a very good article on the moneysavingexpert website about car insurance. well worth a read. thats where i got the '1 month in advance' thing from...

Number5 · Post by **Number5** » Tue Dec 03, 2019 11:43 am

With Admiral on a Multi policy I currently have

Alpina (3kmiles)
ZMR (3k Miles)
E89 2.0 (10k Miles)
BMW 520d Tourer (16k bus miles)

All of these come to just under £800 total. Similar to the OP I’m early 50’s and years of NCB