hymer1942 Posted July 23, 2009 Share Posted July 23, 2009 Hi all, I am thinking of buying a towcar [ a frame ] and have tested the water insurance wise, to say I am shocked is an understatement. Of course zero no claims but the best I can seem to do is £300 plus for a small car third party fire and theft. Has anyone recolved this problem with a half decent result. Barrie Link to comment Share on other sites More sharing options...
lennyhb Posted July 23, 2009 Share Posted July 23, 2009 If you have full no claims on another vehicle a lot of companies will mirror the no claims but they will not give you a protected bonus in the first year. Also if you insure in the the other half's name you often get a 10 - 20% reduction if she hasn't got her own no claims but has been a named drive on your policy nearly all companies will give the full no claims . Link to comment Share on other sites More sharing options...
hymer1942 Posted July 23, 2009 Author Share Posted July 23, 2009 I have full no claims, but up to now cannot find a company who will mirror them. Link to comment Share on other sites More sharing options...
lennyhb Posted July 23, 2009 Share Posted July 23, 2009 If you are going to use it mainly in the UK & the car is standard with no mods try Swift:- http://www.swiftcover.com They say they only do online cover but they have quite a good help line worth giving them a ring. Link to comment Share on other sites More sharing options...
hymer1942 Posted July 23, 2009 Author Share Posted July 23, 2009 Have called up the swift web site NO PHONE AVAILABLE Link to comment Share on other sites More sharing options...
lennyhb Posted July 23, 2009 Share Posted July 23, 2009 0800 089 0328 Link to comment Share on other sites More sharing options...
hymer1942 Posted July 23, 2009 Author Share Posted July 23, 2009 Thanks for that rang the number and the best I could get wa s a £300 quote, but if no claims in the year they will then give 5years no claims dicount. Regards Barrie Link to comment Share on other sites More sharing options...
lennyhb Posted July 23, 2009 Share Posted July 23, 2009 One thought, if you are mainly using it towed behind your van & when using it the van is not being used have you asked your van insurer. Forgive me if I'm stating the obvious. Link to comment Share on other sites More sharing options...
hymer1942 Posted July 23, 2009 Author Share Posted July 23, 2009 I am with caravan guard and they dont do cars. Link to comment Share on other sites More sharing options...
602 Posted July 24, 2009 Share Posted July 24, 2009 Hi, I'm the other way round. I have two 75% NCBs plus another 70% NCB, but only driving one car at present. My wife has her own 75% NCB. I must go and buy a couple more cars. :-D 602 Link to comment Share on other sites More sharing options...
lennyhb Posted July 24, 2009 Share Posted July 24, 2009 Better hurry up then then will only carry a no claim bonus over for 2 years. Link to comment Share on other sites More sharing options...
ROON Posted July 24, 2009 Share Posted July 24, 2009 Hymer, sorry I have only just seen this thread. I have yet to come across a company who has not offered me AT LEAST 50% off an additional car so something must be wrong somewhere. Are you using the internet? If so, try phoning the companies direct as I find this personal approach usually brings reults. Unless the second car is a huge sports car or you have a load of points then you should get at least 50%. Good luck. (I have got full bonus transferred to my motorhome from my car plus just got 50% transferred again to my trike.) Joy Link to comment Share on other sites More sharing options...
Rapido-lass Posted July 24, 2009 Share Posted July 24, 2009 We recently got an extra car and as the OH only had motorhome insurance in his name (named driver on my car policy) insurance companies would not mirror his motorhome insurance ( something to do with that fact it's a leisure vehicle?) Anyway we got my policy no claims discount mirrored , it wouldn't be protected, and if he renewed with them next year, then he would get the full ncb in his own right after that. It's also near enough the same price for fully comp as it is third party fire and theft. This is an insurance company ploy to get everyone insuring cars to be fully comp as it makes their life easier if there's an accident. Link to comment Share on other sites More sharing options...
hymer1942 Posted July 24, 2009 Author Share Posted July 24, 2009 I am looking to buy a 1.4 polo circa 2000, I have spoken to 2 or 3 companies with the same result, as I sai the best price I have had is £251, but the best offer has been from zurich 301 with 5 years N C Bonus after 1 year. that is for third party fire and theft. Link to comment Share on other sites More sharing options...
hymer1942 Posted July 24, 2009 Author Share Posted July 24, 2009 At last found someone who at least talks sense. RIAS [ advert on TV ] 08000645858. Got a fully com. quote at £294. hope this helps anyone else. Link to comment Share on other sites More sharing options...
granddad Posted July 24, 2009 Share Posted July 24, 2009 hi try saga Link to comment Share on other sites More sharing options...
hymer1942 Posted July 24, 2009 Author Share Posted July 24, 2009 Held on the phone with Saga for 30 mins then gave up. Link to comment Share on other sites More sharing options...
lookback Posted July 24, 2009 Share Posted July 24, 2009 my toad is insured with the NFU and the motorhome with Comfort. NFU have given me a letter stating that the car is insured fully comp whilst being towed :-D Link to comment Share on other sites More sharing options...
Usinmyknaus Posted July 29, 2009 Share Posted July 29, 2009 Comfort (020 89840777) yesterday offered full no claims for a car, mirrored from my M/H insurance. The M/H is £335.92 with guaranteed NCD protection, fully comp cover with European Breakdown and Recovery included. The quote for a group 2E car to go with it was £197.08 fully comp inc legal assistance. May be worth a try. Bob Link to comment Share on other sites More sharing options...
messerschmitt owner Posted July 29, 2009 Share Posted July 29, 2009 transfer the motorhome insurance ncd to the car and then get a mirrored quote for the motorhome! simples Link to comment Share on other sites More sharing options...
602 Posted July 29, 2009 Share Posted July 29, 2009 Hi, My third policy was with Co-Op, cos cthey would insure a van when LV wouldn't. Sold van transferred NCB back to LV, where it expired after 2 years. Then I needed to hire a van, asked CO-OP, and they said their NCB expired after 3 years. Latest vehicle is a LR Discovery van. Just on the off-chance, I phoned LV, got transferred around their office, but entually connected with a bloke who said that as I was a long standing customer ..... they would insure my van. Doh! Years ago, I had a current policy. Bought another car, FIAT126BIS, tried to insure it as a classic. Quoted £200 +. It seems the age of a classics affects the premium, the newer, the more expensive. But the broker put me with FORTIS, who matched my existing NCB. When that policy expired I moved the NCB to LV, explaining what had happened. They said OK, and deducted a FURTHER 10% for having two vehicles with them. 602 Link to comment Share on other sites More sharing options...
anee Posted July 30, 2009 Share Posted July 30, 2009 Dont know if this helps, I am insured for motorhome (Full NCB) and car with protected NCB through The Caravan Club. Kind Regards Link to comment Share on other sites More sharing options...
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