insurance

what do you guys do to insure more than one car,what kind of policy do you find works best?

i insure my daily normally, and my mk1 which for me is only a toy really on a classic policy, my other halfs dad has a classic policy with 2 cars on it and thats pretty cheap i think ...

Multiple car policy here, our cabby has limited mileage.

how many cars can you put on a multi car policy & does it work out any cheaper or is it just to make easier to have them on one policy for less paper work etc,we have the daily,my cab & i'm normally buying something else just because it's a dub 8)  

g83 said

how many cars can you put on a multi car policy & does it work out any cheaper or is it just to make easier to have them on one policy for less paper work etc,we have the daily,my cab & i'm normally buying something else just because it's a dub 8)  

2 or more, don't know if there's an upper limit.

It might or might not work out cheaper. However, when I had a number of cars on the road, I had 2 policies - one for a daily driver and one for the classics. The multi car policy has a mileage restriction, eg if its 3000, its that amount across ALL the cars, not for each car. They ask for mileometer readings from every car on the policy. Obviously if you have a daily driver that does 10,000 miles or so, its going to push the price up.

Also bear in mind that the kind of car you might have as a daily driver might be very different to the classics, eg not modified, not a GTI, different make/model/age/era etc etc and insurers tend to be competitive only in one 'sector' of the market, so if you put a daily onto a multi car policy, it might not work out cheaper than having its insurance separate (and using a comparison website to find the best).

Of course, there's different kinds of multi-car policy and I've only described the one by Footman James. Interestingly, when the number of classics came back down to 1 (ie no multi-car needed any more) FJ were uncompetitive on price.