Multi-car, Fleet, Trade Insurance... What are my Options?

[thunderboy]

To the Insurance aficionado's out there -

I currently have a fleet of several cars:
'04 Audi A3 - Daily
'00 EK9 - Weekend/Infrequent use (Summer Months) over the past year this did 0 miles.
'95 EG K20a Track car - Very infrequent road use. Insurance only to drive to track when trailer isnt available. This covered less than 300 road miles last year.
'12 - Cayman R - Infrequent day use/Weekend (Summer Months)

I have been insured through Greenlight for 2 years (On the Honda's), and can't begin to thank them enough. They have undercut the rivals; initially as a new customer - then as a renewal price, significantly. Additionally, when I bought the Cayman earlier this year - they were more than happy for me to take my NCB away from them, but kept the prices static.

Ongoing running of 4 separate vehicles I fear will become expensive in 2015, as all the renewals on these insurance policies roll around (holding 4 separate policies - of which the Audi daily driver, is the most expensive so far). So I am searching for options I might have into multi-cars, fleet/trade policies..

I might swap and change the daily through the year, or maybe add one other motor to the collection that I have my eye on as the year progresses.. and have considered buying/selling car's as a bit of a side hobby/cash generator.

What route would you suggest I take? Is 4 [or more] separate insurance policies - splitting NCBs across them still the only open I have? Or are trade/fleet type insurances available to me to consider?

Note: I've looked at the likes of admiral, NU/Aviva for their Multi-Car offerings & to be brutally honest, for my situation they werent worth the wasted time I spent talking to them. The combined multi- was in excess of the 4 stand alone policies that I have now.

Any advice welcome!

Thanks,

Lee

 

[Tim@Prestige]

Hi Lee
On our car insurance scheme, we can only cover each vehicle on their own separate policy, though this does give us opportunity to quote each car individually & therefore look at the best deal for each.

 

[ChrisKnottIns]

Hi Lee,

You probably won't be able to get a trade policy if you're dabbling and don't have fixed commercial premises. Your two most viable options remain the traditional multi-car (single policy, single renewal) or insuring each vehicle individually to gain the best price for each. The beauty of using a broker is that you still only have one point of contact for dealing with all the vehicles even though the cover may be with multiple insurers in the background.

Please call us if we can be of assistance with the quotes.

best,
Nick

 

[neil@greenlight]

To the Insurance aficionado's out there -

I currently have a fleet of several cars:
'04 Audi A3 - Daily
'00 EK9 - Weekend/Infrequent use (Summer Months) over the past year this did 0 miles.
'95 EG K20a Track car - Very infrequent road use. Insurance only to drive to track when trailer isnt available. This covered less than 300 road miles last year.
'12 - Cayman R - Infrequent day use/Weekend (Summer Months)

I have been insured through Greenlight for 2 years (On the Honda's), and can't begin to thank them enough. They have undercut the rivals; initially as a new customer - then as a renewal price, significantly. Additionally, when I bought the Cayman earlier this year - they were more than happy for me to take my NCB away from them, but kept the prices static.

Ongoing running of 4 separate vehicles I fear will become expensive in 2015, as all the renewals on these insurance policies roll around (holding 4 separate policies - of which the Audi daily driver, is the most expensive so far). So I am searching for options I might have into multi-cars, fleet/trade policies..

I might swap and change the daily through the year, or maybe add one other motor to the collection that I have my eye on as the year progresses.. and have considered buying/selling car's as a bit of a side hobby/cash generator.

What route would you suggest I take? Is 4 [or more] separate insurance policies - splitting NCBs across them still the only open I have? Or are trade/fleet type insurances available to me to consider?

Note: I've looked at the likes of admiral, NU/Aviva for their Multi-Car offerings & to be brutally honest, for my situation they werent worth the wasted time I spent talking to them. The combined multi- was in excess of the 4 stand alone policies that I have now.

Any advice welcome!

Thanks,

Lee

Thanks for the kind comments. We can do all three cars including your daily but the Cayman you would get a better deal insuring it individually with the direct writers or even the Porsche Club GB as they will be cheaper on the higher value.

You could have the daily with us to and switch and change that during the year if needed.

Trade insurance and fleet policies will probably work out more expensive than insuring them seperately. A fleet policy would work if you had 4 similar cars but where you have a wide spread one Porshce, One daily, one Jap import and one track car they are so different you wont find one underwriters competitive on all 4.

Drop me a PM if you want me to look at your daily driver as well or discuss any other options.

Kind Regards
Neil