Anyone insured a winter 4x4 just for winter?

Which insurer?

I got a quote online for Admiral's multi car policy for my usual car for 12 months plus an old 4x4 for 3 months.... Doubled the cost of my usual car, plus another £200 for 90 days on the 4x4 ?!?!?

Jim K

On Tue, 09 Dec 2014 13:09:39 -0800, JimK wrote:

Anyone insured a winter 4x4 just for winter?

Which insurer?

I got a quote online for Admiral's multi car policy for my usual car for
12 months plus an old 4x4 for 3 months.... Doubled the cost of my usual
car, plus another £200 for 90 days on the 4x4 ?!?!?

Probably cheaper to insure then cancel come spring, but I'm never
convinced about the benefits of "multi-car" anyway, especially off a
bunch of pondlife like Admiral.

On 09/12/2014 21:09, JimK wrote:
Anyone insured a winter 4x4 just for winter?

Which insurer?

I got a quote online for Admiral's multi car policy for my usual car
for 12 months plus an old 4x4 for 3 months.... Doubled the cost of my
usual car, plus another £200 for 90 days on the 4x4 ?!?!?

Some policies, especially classic car ones, allow for the policy to be
suspended. Or at least they use to be!

On 09/12/2014 22:34, Fredxxx wrote:
On 09/12/2014 21:09, JimK wrote:
Anyone insured a winter 4x4 just for winter?

Which insurer?

I got a quote online for Admiral's multi car policy for my usual car
for 12 months plus an old 4x4 for 3 months.... Doubled the cost of my
usual car, plus another £200 for 90 days on the 4x4 ?!?!?

Some policies, especially classic car ones, allow for the policy to be
suspended. Or at least they use to be!


If you have a wife apply online, assuming you are the main driver. Then
apply for your wife to be the main driver but you are still insured to
drive the vehicles. I have done this and reduced insuarance from £400+
to around £200 just by switching who is the policy holder.
Hope this makes sense.

ss wrote:
On 09/12/2014 22:34, Fredxxx wrote:
On 09/12/2014 21:09, JimK wrote:
Anyone insured a winter 4x4 just for winter?

Which insurer?

I got a quote online for Admiral's multi car policy for my usual car
for 12 months plus an old 4x4 for 3 months.... Doubled the cost of my
usual car, plus another £200 for 90 days on the 4x4 ?!?!?

Some policies, especially classic car ones, allow for the policy to be
suspended. Or at least they use to be!


If you have a wife apply online, assuming you are the main driver. Then
apply for your wife to be the main driver but you are still insured to
drive the vehicles. I have done this and reduced insuarance from £400+ to
around £200 just by switching who is the policy holder.
Hope this makes sense.

Unless she *is* the main driver, this is known as "fronting" and the
insurers don't like it. Could give them an excuse not to pay out.

Tim

Adrian wrote:
Probably cheaper to insure then cancel come spring, but I'm never
convinced about the benefits of "multi-car" anyway, especially off a
bunch of pondlife like Admiral.

Factor in the cancellation charge into the comparison:
http://www.which.co.uk/money/insuran...s-and-charges/
[check this in the small print, I think some have a ramped cancellation
charge - eg cancel after 6 months and you get 3 months premium back]

If you pay by installments, don't be surprised that you have to pay a lump
sum when you cancel the insurance.

Theo

ss wrote:
On 09/12/2014 22:34, Fredxxx wrote:
On 09/12/2014 21:09, JimK wrote:
Anyone insured a winter 4x4 just for winter?

Which insurer?

I got a quote online for Admiral's multi car policy for my usual car
for 12 months plus an old 4x4 for 3 months.... Doubled the cost of my
usual car, plus another £200 for 90 days on the 4x4 ?!?!?

Some policies, especially classic car ones, allow for the policy to be
suspended. Or at least they use to be!


If you have a wife apply online, assuming you are the main driver. Then
apply for your wife to be the main driver but you are still insured to
drive the vehicles. I have done this and reduced insuarance from £400+ to
around £200 just by switching who is the policy holder.
Hope this makes sense.

http://www.telegraph.co.uk/motoring/...-fronting.html

Tim

JimK wrote


Anyone insured a winter 4x4 just for winter?

Which insurer?

I got a quote online for Admiral's multi car policy for my usual car for 12 months plus an old 4x4 for 3 months.... Doubled the cost of my usual car, plus another £200 for 90 days on the 4x4 ?!?!?

Jim K


http://www.moneysupermarket.com/car-...ce/short-term/

On Wednesday, 10 December 2014 13:16:06 UTC, Sailor wrote:
JimK wrote


Anyone insured a winter 4x4 just for winter?

Which insurer?

I got a quote online for Admiral's multi car policy for my usual car for 12 months plus an old 4x4 for 3 months.... Doubled the cost of my usual car, plus another £200 for 90 days on the 4x4 ?!?!?

Jim K


http://www.moneysupermarket.com/car-...ce/short-term/

thanks, i tried just, maximum seems to be only 28 days, some wouldn't quote, one did:-

£168 for 28 days..........

Jim K

On 09/12/14 21:09, JimK wrote:
Anyone insured a winter 4x4 just for winter?

Which insurer?


If it really is an old 4x4, RH Specialist Insurance might cover it on a
Classic policy. My Defender is with them, for well under £100/yr comp.
Two main advantages: Classic policies don't either need or accrue
no-claims discounts, so you're not starting afresh (or with a token
"introductory discount"); and, with policy with RH I can add and remove
cars as I wish, with pro rata premium or refund to a single annual
renewal date. The exemption from short-term rates or admin fees might
be a function of club membership, or of the particular club arrangement
with RH, so do check - or join the RREC. You know you've always wanted
a £5000 Silver Spirit...

Kevin

"JimK" wrote in message
...
Anyone insured a winter 4x4 just for winter?

Which insurer?

I got a quote online for Admiral's multi car policy for my usual car for 12
months plus an old 4x4 for 3 months.... Doubled the cost of my usual car,
plus another £200 for 90 days on the 4x4 ?!?!?


They charge more for six months than they do for a year.

So just insure it for a year, and either cancel after four months, or drive
it around in summer too

"Phil L" wrote in message
...

"JimK" wrote in message
...
Anyone insured a winter 4x4 just for winter?

Which insurer?

I got a quote online for Admiral's multi car policy for my usual car for
12 months plus an old 4x4 for 3 months.... Doubled the cost of my usual
car, plus another £200 for 90 days on the 4x4 ?!?!?


They charge more for six months than they do for a year.

So just insure it for a year, and either cancel after four months, or
drive it around in summer too

Or do whatever you like with the vehicle and
take advantage of the cheaper annual premium.

/Or do whatever you like with the vehicle and
take advantage of the cheaper annual premium/q

Mmm hadn't thought of that approach....

Jim K

/
If it really is an old 4x4, RH Specialist Insurance might cover it on a
Classic policy. My Defender is with them, for well under £100/yr comp.
Two main advantages: Classic policies don't either need or accrue
no-claims discounts, so you're not starting afresh (or with a token
"introductory discount"); and, with policy with RH I can add and remove
cars as I wish, with pro rata premium or refund to a single annual
renewal date. The exemption from short-term rates or admin fees might
be a function of club membership, or of the particular club arrangement
with RH, so do check - or join the RREC. You know you've always wanted
a £5000 Silver Spirit...

Kevin/q

Many thanks that looks promising:-)

Are you in a landrover owners club perchance ?

What are the limitations on your defender policy? Miles? Days? More?

Cheers
Jim K

On 10/12/14 21:00, JimK wrote:
/
If it really is an old 4x4, RH Specialist Insurance might cover it on a
Classic policy. My Defender is with them, for well under £100/yr comp.
Two main advantages: Classic policies don't either need or accrue
no-claims discounts, so you're not starting afresh (or with a token
"introductory discount"); and, with policy with RH I can add and remove
cars as I wish, with pro rata premium or refund to a single annual
renewal date. The exemption from short-term rates or admin fees might
be a function of club membership, or of the particular club arrangement
with RH, so do check - or join the RREC. You know you've always wanted
a £5000 Silver Spirit...

Kevin/q

Many thanks that looks promising:-)

Are you in a landrover owners club perchance ?

What are the limitations on your defender policy? Miles? Days? More?


No, I'm not in a Land Rover Club - my interest in 4x4s is more to do
with their towing legality than mud-plugging. This Defender replaces a
300tdi Range Rover auto, which was a wonderful car while its airbag
light wasn't on and when its heater didn't leak. I've spent far longer
repairing the Defender (110CSW diesel) than driving it, and now it might
need outriggers for its MoT, I might give up and sell it as it is.

3000 miles/yr, business use, 3 drivers, no limit on days used.

--
Kevin

On Wednesday, 10 December 2014 22:07:26 UTC, Kevin wrote:
On 10/12/14 21:00, JimK wrote:
/
If it really is an old 4x4, RH Specialist Insurance might cover it on a
Classic policy. My Defender is with them, for well under £100/yr comp.
Two main advantages: Classic policies don't either need or accrue
no-claims discounts, so you're not starting afresh (or with a token
"introductory discount"); and, with policy with RH I can add and remove
cars as I wish, with pro rata premium or refund to a single annual
renewal date. The exemption from short-term rates or admin fees might
be a function of club membership, or of the particular club arrangement
with RH, so do check - or join the RREC. You know you've always wanted
a £5000 Silver Spirit...

Kevin/q

Many thanks that looks promising:-)

Are you in a landrover owners club perchance ?

What are the limitations on your defender policy? Miles? Days? More?


No, I'm not in a Land Rover Club - my interest in 4x4s is more to do
with their towing legality than mud-plugging. This Defender replaces a
300tdi Range Rover auto, which was a wonderful car while its airbag
light wasn't on and when its heater didn't leak. I've spent far longer
repairing the Defender (110CSW diesel) than driving it, and now it might
need outriggers for its MoT, I might give up and sell it as it is.

3000 miles/yr, business use, 3 drivers, no limit on days used.

--
Kevin

Many thanks for notes

Jim K