iamlegend Posted August 4, 2014 Share Posted August 4, 2014 yo dawwwggggggs inda hood right getting a little side project now whats the crack with insurance? atm I am fully comp and can drive any other car so does this mean I need to get insured for the side project separately ?? or just drive it around using my current policy on 3rd party basis Quote Link to post Share on other sites
morgey Posted August 4, 2014 Share Posted August 4, 2014 (edited) For you to drive the other car under 3rd party insurance it needs to be insured by someone else already. Plus you need to be over 25 with the 1st insurance company in many cases.Check with your current company if they do 2nd car discount or any new companies see if they will mirror your ncb onto a new policy. I did this and shortcut myself 3 or 4 years ncb on my second car and now have 2 policies with 7 and 8 yncb Edited August 4, 2014 by morgey Quote Link to post Share on other sites
iamlegend Posted August 4, 2014 Author Share Posted August 4, 2014 For you to drive the other car under 3rd party insurance it needs to be insured by someone else already. Plus you need to be over 25 with the 1st insurance company in many cases. ah right so Id have to insure both separate ? I am 26 Quote Link to post Share on other sites
morgey Posted August 4, 2014 Share Posted August 4, 2014 Yes. Also edited 1st post Quote Link to post Share on other sites
Dean_mc88 Posted August 4, 2014 Share Posted August 4, 2014 I found it cheaper to insure them separately rather than a combined insurance like some do Quote Link to post Share on other sites
turbo Grant Posted August 4, 2014 Share Posted August 4, 2014 You will need insurance on it to tax the car as well Quote Link to post Share on other sites
Whitenoize Posted August 4, 2014 Share Posted August 4, 2014 I just changed my insureance to a traders policy 1400 can now drive any car under 25k in value and any motorbike mite be worth looking into Quote Link to post Share on other sites
Azz Posted August 4, 2014 Share Posted August 4, 2014 I'm with admiral, they give you 90 days on top you your car's policy to insure any other car for cheap Quote Link to post Share on other sites
daniel_g Posted August 4, 2014 Share Posted August 4, 2014 I'm with admiral, they give you 90 days on top you your car's policy to insure any other car for cheapIm with Admiral too and wasnt aware of this, i know they do a multicar thing is that part of it ?I want to keep my daily Corolla when the 85 is on the road but dont want to pay out the arse to insure two cars. Quote Link to post Share on other sites
morgey Posted August 4, 2014 Share Posted August 4, 2014 They gave me just under 6 months to add my second car. They even called me just before it was due. Quote Link to post Share on other sites
daniel_g Posted August 4, 2014 Share Posted August 4, 2014 They gave me just under 6 months to add my second car. They even called me just before it was due.So you dont need to start a new policy to get the multicar thing then ? Ive just had to renew my insurance a couple of days ago aswell, was running around with none for over a week by mistake haha Quote Link to post Share on other sites
morgey Posted August 4, 2014 Share Posted August 4, 2014 Well I started one with my corolla with the intention to put my starlet on it. So they gave me mirrored ncb from the starlets current policy and my multi car discount and they would call me as my starlets was about to run out so they couls add it to it. That was march time and they called me mid august to sort it all out. If youve got a new policy you might be able to back track and get them to change it to a mcp Quote Link to post Share on other sites
TurboTobz Posted August 4, 2014 Share Posted August 4, 2014 With regards to not insuring your project and driving on tpe I was on a quinn policy at 18 that offered this and I didn't actually need to insure the second vehicle... I had them email me this aswell. I know they soon stopped the extension for u25's but when I was checked out on a few occasions I never had any troubles. Check with your insurer. Quote Link to post Share on other sites
morgey Posted August 4, 2014 Share Posted August 4, 2014 With regards to not insuring your project and driving on tpe I was on a quinn policy at 18 that offered this and I didn't actually need to insure the second vehicle... I had them email me this aswell. I know they soon stopped the extension for u25's but when I was checked out on a few occasions I never had any troubles. Check with your insurer.Are you sure the 2nd vehicle didnt need to have insurance under someone elses name?You could drive other vehciles with quinn at any age even with tpft but the other vehcile had to be insured otherwise it wouldnt be allowed on the road as it wasnt insured directly Quote Link to post Share on other sites
karl. Posted August 4, 2014 Share Posted August 4, 2014 Are you sure the 2nd vehicle didnt need to have insurance under someone elses name?You could drive other vehciles with quinn at any age even with tpft but the other vehcile had to be insured otherwise it wouldnt be allowed on the road as it wasnt insured directlyThat's the way my insurance currently is, the other car doesn't have to be insured but I have it insured anyways to make it easy to tax. That's with nfu mutal. Quote Link to post Share on other sites
TurboTobz Posted August 4, 2014 Share Posted August 4, 2014 Are you sure the 2nd vehicle didnt need to have insurance under someone elses name?You could drive other vehciles with quinn at any age even with tpft but the other vehcile had to be insured otherwise it wouldnt be allowed on the road as it wasnt insured directlyyes mate, I actually still have the emails I have a few as I double triple checked as it sounded too good to be true! Quote Link to post Share on other sites
morgey Posted August 4, 2014 Share Posted August 4, 2014 (edited) Just googled it and it seems to be a very grey area.Some say as long as its not registered at the same address (you could have 20cars that way)Others say yes but as soon as you leave the car parked its uninsuredAnd anpr will pick it up as uninsured so will get hassled all the time.However some people have said there company's will cover uninsured cars under tpft as long as it has T and T.Basically ring your insurer and get it in black and white from them Edited August 4, 2014 by morgey Quote Link to post Share on other sites
TurboTobz Posted August 4, 2014 Share Posted August 4, 2014 (edited) Exactly what I done. On my policy the car couldn't be registered under my name and required only t and t. Edited August 4, 2014 by TurboTobz Quote Link to post Share on other sites
_shaun_ Posted August 4, 2014 Share Posted August 4, 2014 Surely because both cars are automatics you can go to a woman's only insurance company? There Normaly cheaper Quote Link to post Share on other sites
bucketep91 Posted August 5, 2014 Share Posted August 5, 2014 Surely because both cars are automatics you can go to a woman's only insurance company? There Normaly cheaper Hahaha Quote Link to post Share on other sites
Turbo Goose Posted August 5, 2014 Share Posted August 5, 2014 Could get your mum to insure it for couple hundred quid then you're able to drive it on your current policy. Niggt work out loads cheaper Quote Link to post Share on other sites
iamlegend Posted August 5, 2014 Author Share Posted August 5, 2014 cheeers braaaavs just going to ring sky as there my current insurance see if they can "mirror"... only pay 600 atm fully comp with 5 years no claims and driving so we shall see.. Quote Link to post Share on other sites
Turbo Goose Posted August 5, 2014 Share Posted August 5, 2014 And new laws state if a car is taxed it has to be insured otherwise declared sorn. So even if your insurance covered you to drive an uninsured cehicle it couldnt posdibly be taxed Quote Link to post Share on other sites
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