insurance on more than one car

citronut · Unread post by **citronut** » 26 Oct 2005, 19:33

i have a motor repaires policy fully comp for about £400 squide a year,to keep it cheap keep the max value down,and i can run any thing that is regesterd to me or anyone ellse,my customers car up to value of £10,000 squide and i think my own up to £15,000
regards malcolm

basil · Unread post by **basil** » 27 Oct 2005, 21:16

Thanks for the replys.Second car is a Fiat uno 999cc and is registered in wifes name so both me and my son have been using it when needed under own insurance but now need to tax it

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fastandfurryous · Unread post by **fastandfurryous** » 27 Oct 2005, 23:15

You really need to check your motor policies VERY carefully, as the 3rd party extension is often only valid if the vehicle in question has it's own insurance policy to cover the owner to drive it (I.E. in this case your wife would need to have insurance on the Uno for you and your son to be able to drive it)

In the past I have had some policies that state this is necessary, and some policies that don't.

Malcolm... where do you get your motor traders policy from? that's better than any quote I've managed to get for a group policy!

citronut · Unread post by **citronut** » 28 Oct 2005, 08:58

the company im with is Chaucer insurance,through Giles insurance Alton,(www,gilesalton.co.uk)tel 01420 82501.the cover i have is only a motor repairers policy,not for buying and selling,as that cost an arm and ten legs
regards malcolm

Homer · Unread post by **Homer** » 28 Oct 2005, 21:47

basil wrote:Thanks for the replys.Second car is a Fiat uno 999cc and is registered in wifes name so both me and my son have been using it when needed under own insurance but now need to tax it

You also need to check the detail of your "other car" entitlement as often a car owned by your spouse is counted as being owned by yourself. You remember those vows, what's mine is yours and what's yours is yours too?

pmhpmh · Unread post by **pmhpmh** » 29 Oct 2005, 09:36

Watch your next renewal very carefully - several major companies are now removing DOC (driving other cars) cover.

Also when you park the car and leave it (public place), it becomes uninsured! There is much debate of 'driving other cars' versus 'in charge of'!!

alexp-j · Unread post by **alexp-j** » 01 Nov 2005, 22:16

JohnD wrote: But when they marked me as having had a claim on BOTH my policies, I took exception and moved one car to another company.

But when you go for insurance they ask if you have had ANY claims in the last 5 years, not have you had any claims on this particular car or policy.
The fact that both cars were with one company mean't they didn't need to ask you as they already knew.