insurance for 3 or more cars

hayesey · June 18, 2012, 09:47:16 AM

I wonder if anyone has any recommendations.

My situation is that I will soon have 3 cars:

- one is my daily driver which is a 2004 volvo, totally unmodified. Does about 12,000-14,000 miles a year.
- one is my black polo which is actually a GT with an engine conversion (and lots of modifications), this will only get used to drive to/from track days, probably not even 1000 miles a year on roads. I would buy a trailer but I currently don't have anywhere to keep one.
- the third car will be another g40 (which is also an engine conversion) but no major modifications to it. I'll be using this to go to a few shows with, probably do 3000 miles a year.

I currently have two policies with Brentacre, one for my volvo and one for my black polo. What I want is some kind of multicar policy that'll cover all these and not cost the same as taking a 3rd policy out, my black one gets used on the road so rarely that it's highly annoying paying for a full insurance policy for it.

Anyone know a decent insurance co for this? I've not rang brentacre yet, I will do but wondered if anyone else knew anything.

PeteG40 · June 18, 2012, 10:34:27 AM

i think what may work out the best is this.

swap black polo policy for saloon.

then when you want to use it ask to put it on for a couple of days... at worst this would be £20 admin to swap to it and £20to swap it back!

hayesey · June 18, 2012, 10:39:47 AM

that might be an idea, I'll see if brentacre would do that.

DKnight · June 18, 2012, 02:11:19 PM

i thought you were using the saloon as a track car too? YEK YEK YEK

hayesey · June 18, 2012, 02:41:29 PM

well yeah. this is until I reshell my black one into it

mark_crox · June 18, 2012, 04:30:48 PM

Quote from: PeteG40 on June 18, 2012, 10:34:27 AM
i think what may work out the best is this.

swap black polo policy for saloon.

then when you want to use it ask to put it on for a couple of days... at worst this would be £20 admin to swap to it and £20to swap it back!

The problem with this is now if you car is not insured you have to SORN the car or you could face a fine. So you would swap the insurance to the and then you would have to tax it use it for the couple of weeks and then when you want to swap the car back you would have to apply for a refund of your tax and sorn the car again. And then technically you have to sorn and retax the car you intially had insured as well....

Its a crap new rule that is suppose to stop uninsured drivers....

hayesey · June 18, 2012, 05:05:25 PM

bugger, I'd not even thought of that. Need to find somewhere to keep a trailer!

samg40 · June 18, 2012, 08:31:57 PM

Quote from: max_crox on June 18, 2012, 04:30:48 PM
Quote from: PeteG40 on June 18, 2012, 10:34:27 AM
i think what may work out the best is this.

swap black polo policy for saloon.

then when you want to use it ask to put it on for a couple of days... at worst this would be £20 admin to swap to it and £20to swap it back!
The problem with this is now if you car is not insured you have to SORN the car or you could face a fine. So you would swap the insurance to the and then you would have to tax it use it for the couple of weeks and then when you want to swap the car back you would have to apply for a refund of your tax and sorn the car again. And then technically you have to sorn and retax the car you intially had insured as well....

Its a crap new rule that is suppose to stop uninsured drivers....

Yeah thats a good point there. What a stupid country this can be sometimes.

mark_crox · June 19, 2012, 10:19:17 AM

I know... I used to keep a spare car taxed and MOT'ed and then just use day insure/short term insurance when I wanted/needed to use it.. but now that is not really possible. As you have to SORN it or risk a fine.. its a pile of pants...

ereeiz · August 02, 2012, 03:32:35 PM

For reference when mine died in Jan I swapped my policy to a corsa, so my g has been uninsured since mid/ late Jan.

They didn't check until mid June (18th?) which is when they issued me with a fine of £50. unfortunately it went to my family address so I didn't get it until 3 weeks later, meaning I had to pay the elevated fine of £100. anything after 28 days from the letter issued and they take you to court I think, where the fine jumps to £1k.

so what I'm getting at is it'll cost £50 per year in fines for not insuring it (this is assuming it's STILL taxed). I've declared mine SORN (I think that's what triggered the letter being issued in all honesty) but still not sent the tax disk back.

I've asked at a DVLA office and two other DVLA'ers on the phone about "what happens if I temporarily need to take it off the road, does this mean I need to SORN and return the tax, only to have to buy it again, say, two weeks later?" to which they all replied "I don't know" so there's still some grey areas.

I understand the theory behind it, but in practice it's a bloody pointless rule and only there to make more money IMO.

randombadger69 · August 02, 2012, 07:28:12 PM

I have had cars with tax and no insurance, but never declared them sorn until I was told to (tax ran out). Not had a fine for it yet touch wood. I expect they're just massively cuntish and think.. oh you want to claim your unused tax back.. how about fuck off heres a fine as your car is not insured!!

Cunts! A rule just to make more money. I'd love to meet the snivelling little arse that makes these laws. Plan of action would be tie their hands and feet with Zip ties, blindfold them, throw them in the back of a caged out G40 or similar, give Sabina Schmidt the keys and tell her that if she doesn't beat you to the pub then she's a useless woman driver!