APH News

Have you looked into getting a multi car insurance policy to protect the cars that are owned by the people in your household? Insuring two or more cars under one policy can be incredibly cost effective, giving you automatic discounts for insuring more than one car with the same provider as well as combining any no claims bonuses and other discounts that you may qualify for. Sound good to you? It should do because you could save a lot of money without sacrificing features or cover levels, especially if you have a young driver in your household who has been quoted thousands for standalone insurance. However, there are certain things you need to check with multi car insurance as well.

The first thing you need to check before you take out a multi car insurance policy is whether or not your no claims bonuses are combined in more than the quote. Essentially, some providers actively protect individual no claims bonuses with a view to ensuring that those in the household who do not have an accident are not punished should they move out and get individual cover. It also allows young drivers to build up their own no claims bonuses. However, some do not protect individual no claims so anyone covered under your policy may effectively mess it up for everyone else.

Comparing multi car insurance will help you to separate those that do protect no claims from those that do not quickly and easily without having to make a mistake prior to getting the cover you want. Unfortunately, years of no claims bonuses are impossible to get back and losing them through no fault of your own is definitely unfair. Make sure that you are protected from the start and have the right cover for you, that works for you and offers excellent protection.

Multi car insurance is one of the newest products on the car insurance market today and has easily become one of the most popular with households having more than one car at the same address, especially those who have young drivers there and do not want to break the law by fronting for them. However, you should know that multi car insurance does not always lower insurance premiums. It does bases on factors like age and driving record but it may actually elevate them if there are certain cars in your household, namely a BMW 3.5, Jaguar XJ, Mercedes C Class or Range Rover Sport. These cars are the most stole in the UK right now.

Fast, powerful, well built and incredible in terms of performance, all of the cars named above are highly sought after by thieves who look to get a hold of the keys rather than breaking into them. However, no matter how you look at it, they are all expensive to insure anyway, even more so now the information has been released about the crime and theft rates. Multi car insurance companies, in fact all car insurance companies, do use data like that to adjust their quotes. As a result, you should expect to increase your payments every month to ensure that you have the protection that you need.

Popular cars will push up multi car insurance premiums if they are also popular with thieves but the extent to which it will push them up largely depends on who is driving it. Whether you have a good record or not will make a difference. However, no matter which car you ultimately choose to have, multi car insurance may still ultimately save your household a little cash so it is worth looking at as a very real option.

If you have been keeping up to date with the latest insurance news then you may be aware of a term that is important for young drivers or households with them in. That term is “fronting”. It basically describes an illegal practice of having an insurance policy in an experienced driver’s name when the actual driver is a young driver. He or she will usually be named on the policy but, by having it in the experienced driver’s name, it will be much cheaper than it would have otherwise been. The insurance industry is cracking down on this practice but there is a way around it – multi car insurance.

Multi car insurance offers all drivers under one roof cover, as long as the cars and drivers are named in the policy of course. It offers a discounted policy because all residents are effectively with the same company, with many also offering individual no claims bonus accumulation as well.

As the multi car insurance policy covers the household and not the individual then it is not fronting and is not illegal. In fact, it is the only way to get around the whole issue if an experienced driver, like a parent, wants to offset the costs associated with insuring an unexperienced driver until his or her premiums will come down with time. Of course, having a young driver and his or her car on there will put up the premiums but the discounts on the additional vehicles do offset that to a great degree and it ensures that you stay on the right side of the law. This is definitely a big deal because any incidence of insurance fraud could mean that you never get car insurance of any kind again. It is not a risk that is worth taking so be sure to stay within the law at all times!

Me and the wife have always insured our cars separately and ended up spending hundreds every year on just being legal to drive them. We don’t have gas guzzlers and have never had cars that are high risk. I’ve always dreamt of a Ferrari but unfortunately a Corsa’s been more my style, or at least in my price range. Despite that we’ve still ended up paying through the nose and dreaded the renewal notice coming through the letterbox. So we thought we’d give the multicar insurance a go.

From what I’d read, multicar insurance seemed a good way to try and trim a few pounds off our premiums every year but I couldn’t believe how much we’d actually saved. It turned out to be near enough £300 across both of our vehicles. Considering I lost my job a few months ago and have been stuck with agency work ever since it couldn’t have come at a better time.

Multicar insurance seems to be readily available. I didn’t know where to go for it and there was no way that I was going to stay with my old insurer if I could help it so I went to the first comparison site I saw advertised on the TV. Ten minutes later I had 68 quotes in front of me with various ratings to say how much they suited my wants and needs. I was all ready to do my homework but it did it for me and the multicar insurance provider at the top of the list was a well known one so I was insured within a few minutes. If I’d known it was that easy I’d have gotten it way before now!

Have you ever bothered to total up just how much you pay in insurance every year? I hadn’t even though about it until lately. Like everyone else in England we’ve had to tighten our belts so I thought I’d try and save cash by using a comparison site. Glad I did because I’d never heard of multicar insurance before. I have now and I’ve just taken out multicar insurance because I saved over £200 with it. Took me five minutes and that’s petrol for a month for us.

The policy I took out had all the features I’d expect of car insurance and all the things that my old policy had. It was better than my better half’s insurance too. We have courtesy car cover, breakdown cover and all sorts of other stuff that gives you that extra peace of mind. That’s what insurance is for I guess so why not make the most of it if you’re spending so much on it?

They had a special search option for multicar insurance on the comparison site I went to so it was dead easy to look for it. I didn’t realise you could do that. Anyway, I filled in one form and didn’t have to fill in anything else because the search engine did everything for me. I got a list of quotes that were a lot cheaper than I thought for two cars. Some were more expensive but most were fairly cheap and from reputable companies as well. The saving’s really helped but I’ll definitely be doing the same next year. Can’t afford not to in a recession.

Every time I arrive home from work of an evening, it seems that more and more cars line the street. I have to weave in and out of them to get to my driveway, and even then I have to fight for a space if my wife and daughter are home. Thank goodness my son can’t drive yet otherwise I would really have a fight on my hands. You can imagine what my insurance bill looked like every year. We each have our own policies but I end up with the bill. I must have “mug” printed on my forehead, or at least I did until I saw an advert for multicar insurance on TV.

I have come to the conclusion that multicar insurance is absolutely fantastic over the past couple of days. I thought I’d look into the possibility of getting multicar insurance because it sounded like a cost effective alternative to the way that we have been doing it for years. I was a little unsure as to whether I could get it or not though because the cars were in different names. I need not have worried about that though because the cars belong to members of the same household. I actually saved a lot of money, far more than I thought I would.

The multicar insurance I chose was recommended by one of those specialist search engines. I got a range of quotes returned but the one I chose was from a trusted provider and saved hundreds of pounds for me. If I’d have carried on paying them separately then it would have cost me a fortune but the price I pay now is just fine!

APH has teamed up with the legendary Adrian Flux to provide specialist multi car insurance. This is not available online as there are too many variables to consider when you are looking for cheap cover to insure more than one car.

Please use the phone number 0800 369 8591 for a multicar insurance quote and the friendly staff at Adrian Flux will be happy to quote you and your vehicles. Please note that the line is open from 9.00am to 5.00pm so the service is not available in the evening so take a note of the number.

Insurance for two cars on one policy is becoming ever more popular however there doesn’t seem to be many companies offering this multicar policy service. Remember the number – 0800 369 8591.