boldy205 75 Posted July 18, 2018 Like many people here, im sure, i have more than one car. I'd like to know if anyone has an insurance policy that covers two cars, on the understanding that only one is ever driven at one time. For example I have an S2000 as a fast road car, and a 205 as a track car, as I can only physically drive one at a time, is there an insurance provider that anyone uses that could provide cover for both, but only one to be driven at one time? Thanks! Matt Share this post Link to post Share on other sites
SootySport 23 Posted July 18, 2018 Not heard of that idea before but worth trying a specialist insurer such as A Plan, Footman James, Sky, Adrian Flux etc. I insure two cars separately, both 2000 miles a year Westfield SEIW 2litre for £99.50 a year. 205GTI 1600 for Exactly £100 a year. Add the two premiums together and £200 a year is cheap by my reckoning. Both with A Plan insurance brokers. Share this post Link to post Share on other sites
barneys66 122 1 Cars Posted July 18, 2018 My classics are an average of £100 each with RH Classics, including breakdown (euro too), windscreen, parts not fitted, salvage retention, etc. The daily is £300 on top of that with a separate provider. Did try to get the daily insured with RH but they weren't competitive, and I wouldn't trust my classics with anyone else. Share this post Link to post Share on other sites
Richie-Van-GTi 71 2 Cars Posted July 19, 2018 What is RH like on valuation figures? The way people are pricing the pugs now gives a very wide price range for what for the most part are the same cars. Share this post Link to post Share on other sites
barneys66 122 1 Cars Posted July 19, 2018 3 hours ago, Richie-Van-GTi said: What is RH like on valuation figures? The way people are pricing the pugs now gives a very wide price range for what for the most part are the same cars. I don't have any of mine on an 'agreed value' policy as none of them are exceptional, i.e. the market value for each would suffice. As such, I have given them each a general valuation and, should the worst-come-to-the-worst, then I'll debate the true market value at the time with RH. In any case I don't expect them to come back with an offer that is exactly my valuation. From my very limited experience with total loss claims (not via RH), it's basically a negotiation based on the insurer's derisory scrap value and real-world replacement values. Share this post Link to post Share on other sites
boldy205 75 Posted July 19, 2018 Think I'll have a chat with a few brokers, thanks for the ideas and company recommendations! Share this post Link to post Share on other sites
barneys66 122 1 Cars Posted July 19, 2018 RH were pretty much the only ones that would insure my 205 because of the cage. Oh, and do your research on Flux if you decide to include them on your list of people to contact.. Keep us posted. Share this post Link to post Share on other sites
boldy205 75 Posted July 20, 2018 Wouldnt touch Flux with a barge pole.......awful company from personal experience. HIC insured my 205 for years (when it was on the road) with all mods, cage, charger , various different engines etc with no problems at all, fantastic company. Share this post Link to post Share on other sites
Anthony 1,003 Posted July 20, 2018 2 hours ago, boldy205 said: Wouldnt touch Flux with a barge pole.......awful company from personal experience. HIC insured my 205 for years (when it was on the road) with all mods, cage, charger , various different engines etc with no problems at all, fantastic company. Aren't Adrian Flux and HIC owned by the same company now? I agree HIC used to be very good, but I've no recent experience of them to know if that's still the case. Share this post Link to post Share on other sites
boldy205 75 Posted July 20, 2018 I'm not sure, but to have had very opposite experiences with the two, I'd be surprised! Share this post Link to post Share on other sites
Tom Fenton 1,542 Posted July 20, 2018 They are somehow linked, as they won't quote against each other. However, use RH, /endthread Share this post Link to post Share on other sites
DAN@ADRIAN FLUX 1 Posted July 26, 2018 On 7/20/2018 at 10:26 AM, boldy205 said: I'm not sure, but to have had very opposite experiences with the two, I'd be surprised! Hi. HIC are our sisters company. I'm sorry that you've had a bad experience in the past with ourselves. Regards, Dan. Share this post Link to post Share on other sites
boldy205 75 Posted July 26, 2018 Thanks for the ideas everyone, I've got a few quotes on the go now, so will hopefully get something sorted! Share this post Link to post Share on other sites
