Insuring a second car

[Barmaid]

Me and the FH both have our cars fully insured with full NCD. We've just acquired a third car (it's actually my old car which has been on long term loan). It's only a Peugeot 306 and worth naff all, so we thought we'd just use it as our run around.

The difficulty is, when I am getting online quotes, I am having to put in the fact that there is 0 NCD on this car which is inflating the quotes to a level which makes them cost more than the car is worth.

Does anyone know of any insurance company who does a discount for insuring a second car on the basis of an excellent driving history with no claims on both of us for over 10 years?

[Davethedog]

The car doesn't have a NCD you do. If you and the FH are the only ones driving it, you should get the NCD that you normaly do.

Try admiral

[Barmaid]

Thanks Dave, but I've been told several times that you can only use one NCD per policy.

(I can't try Admiral - I fell out with them last year and told them to stuff it. Crossways with knobs on).

[redcrx]

have you tried called your current insurers and asking if theyll do a deal?

[Davethedog]

Having never been in your position, i'm amazed, its a con. You can only drive one car at a time so any insurance should relate to you or the FH

Admiral wouldn't care you know.

[redcrx]

"You can only drive one car at a time"
that may well be true, but all 3 cars could be broken into at same time, or set alight to.

[Hymie]

Directline

[twix123]

Speak to an Insurance Broker as they should know which insurers will cover you and give the full NCD. You may be able to cover all your vehicles as a small fleet and gain that way.

[KJN]

Direct Line was good for me with a second car give them a ring.(They are not on line) as the advert says.

[Peter Pedant]

.

as a non driver (drink) I had a fren' with a car....and he was told that the insurer was under a duty to certify your NCD history - even tho the insurance contract had not determined as you might say.

and with that .... he got insured for a second car with the first car's NCD

good for me as I was paying.