Hi Agar-Cosworth,

It's not quite as bad as it sounds, as there are options when you have two cars and only one set of NCB.

The options will depend upon the types of vehicle that we're talking about and the mileage requirements for the 2nd car.

Multi-car is one option, but this will depend upon the Insurer in question being the most competitive for both of your vehicles. Which as Warrenpenalver has found doesn't always work, meaning you have to source separate cover.

Covering the vehicles separately is not a problem and providing you haven't a history of running over bus queues etc over the last 3-4 years we should be able to mirror the NCB from the main policy onto the second car.

Again, this will depend upon the vehicles in question (which will impact upon the advice given and the available Insurer options). But assuming that you cover your everyday car using you NCB, look for an introductory concession (mirror of the equivalent percentage discount earned) for the second weekend car shouldn't be too much trouble.

It would be an annual policy, but you could limit the mileage to a really low level and you would receive a decent discount for this.

You'll also receive a discount for forum/club membership with us, so if you do apply remember to name drop Passionford (or select this from the droplist upon our website).

If the 2nd car is a genuine classic type model recognised by the classic car media (ie. RS1600i, Mk1 XR2, Cosworth, RS Turbo) and the mileage is limited we can look at using a specialist vehicle policy such as a classic car policy (which is competitively priced based upon low exposure, isn't NCB rated and providing the car is always a 2nd vehicle to you it's likely you will qualify).

We are also able to entertain limited modifications under some classic and custom car policies, which again you may qualify for depending upon the model being recognised by the classic car press.

I wouldn't suggest looking for a limited mileage policy and then cancelling it, as the cancellation charges with most Insurer within the first year of the contract are usually fairly high. If you end up covering the 2nd car under a policy that can actually earn NCB, by cancelling the cover you would also never actually accrue an actual 2nd set of NCB.

Anyway, there are options so don't worry too much.

Kind regards

Tony

PS. If you can let me know the actual vehicle models I can be a little more specific in terms of advice