Been thinking about this. I am lucky enough to have two cars and two bikes, my wife has a car, my son has a car. My insurance bill is about £2k pa. I think there are ‘family fleet’ type products or ones that can be attached to business insurance? Anyone got any experience and any idea of costs? Ideal world, i’d Pay a premium for simply coverage up to a value of any vehicle I own with any authorised driver.
I've recently bought a van, taken multi vehicle policy with Liverpool Victoria. Brought my car premium down by £120
Don’t know if Ducati insurance do car / bike policy’s. Well impressed with the multi bike quote I just got, over £200 cheaper than Carol Nash and a lot lower excess too !
I have two cars, 2 bikes, and all at different renewal times! But car and bike are within a couple of months, so may be worth short terming the others to get them close
LV asked for all the renewal dates and adjusted the premiums to bring them all in line for next years renewal, that said the car was already insured with them and due for renewal this month
Thx, may start ringing around next week as the new bike will need insurance and my wife’s is due in a couple of weeks if we can combine them all
I am in a very similar position to bradders and am interested in others experiences. I am a little concerned that one accident or claim would impact on the whole ‘fleet’. Anyone know how this works in practice?
I am contracting at NFUM at the mo, and I know they do business fleet insurance that can be bought that doesn’t need you to be a trader (I’m not but am one man band consultant). Any claims are assessed annually. Fear is, once in to the policy, can you ever really get out?
I have my car insurances on Multicover - but they would not allow me to add bikes - I tried Admiral and Direct Line.
I use LV for 2 bikes and 2 cars. Although not multi-vehicle policies LV give a decent discount on each policy. In my experience LV has consistently beaten most quotes including the quotes from the supposed bike and Ducati insurance specialists over the last 6 years.
BeMoto did well for me for Multi bike cover. Might be worth an ask about cars too. Personally I’d say keep your son on a separate policy... once your no claims is gone, it’s gone.
I had one once can’t remember who with but got done over when I needed to remove a bike 6 months in Worth checking what they do in those instances
i wonder if you could put everything through your commercial insurance. your paying what i pay for fully comp for everything i drive or ride including the lads for customers cars, and the wife who isnt an employee, building and liability. i use Bollington.
These soulless insurance companies thrive on people’s complacency. It may seem the easier option to group all your vehicles together as one insurance deal but they will take advantage of this, if not in the first year then the second and so on. The cheapest way to insure is to keep al your vehicles separate, call your current company/s directly tell them you’re had a quote elsewhere for say £100.00 less then theirs. They generally will meet you somewhere below their original quote. And change companies every other year, it’s a ball ache but these bastards will not reward you for loyalty. Another way, if your vehicle is classed as a classic is to go down that route, but only for one year at a time as it will affect your no claims bonus.