Insurance question

[HornetUK]

Sorry this doesn't fit in any category, but I'm buying a Stilo!

I have 10 years no claims & my wife has always been the named driver. Now we are buying a second car to our Punto, the Stilo. I just rang to insure the new car with Tescos and they said you don't automatically get your 10 year no claims discount on the 2nd insured car. So we are stuffed either way, either she has to be insured for the first time as main insured or we do the same as punto & it still costs the same.

Is this generally how it works as I expected to just be the main insured on both and get the 10 year discount on both!

 

[HP]

Generally, yes. There are some companies that actually want your business though and will give you good ncd on the second car - you may have to do a lot of ringing around though.

Pete.
1242cc cinq,turbo cinq,Cinqs&Seis Yahoo group,Clubcento

 

[dave]

If you find one, post it up please.

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[twincamms]

I know this doesn't solve your problem, but the Stilo has a very low insurance rating due to it's security and safety features, so it'll be reasonably priced anyway.

I use Norwich Union Direct, they are always very helpful!

FIAT Stilo Sport. Pretty Much Bog Standard Really. Rear Roof Spoiler,
Sill Protectors, Aluminium Foot Pedals, Eibach 30mm Drop Springs.

 

[James M]

Stilo's are far lower insurance than punto's, I was originally going to buy a punto, but found it actually works out cheaper for me to go for the more expensive Stilo

So maybe your best using the NCD on the punto? But as Pete said, some companies will give you some NCD if you can prove you've been using someone elses car without a claim, I have heard of Directline doing it, and they did give me a very good deal.

It will really help if your over 25 though, they wouldn't let me mod my car at all and I don't get third party cover for any other vehicle

53 3d Stilo Dynamic JTD - Sprint Blue

 

[dave]

I have direct line, recently i changed a car on one of our policys and the guy on the end of the phone said "did i wont to change the car or add one to it" i didn't give it much thought at the time but they may let you have 2 cars on one policy, or the guy on the phone might have not known what he was talking about.

----------------------------------------------------------------------------------
Please do not Email or PM me asking for support. Post on the forums instead. Your reply may help someone else. Thank you

 

[Steven]

Having recently got a quote from Direct Line and went through the process on the phone of arranging insurance cover, only to be told after 15 minutes that they don't cover NI addresses, I think it's the latter. Incompetent isn't the word.

<h5>Click here for pictures of my Uno
Click here for pictures of my Brava

 

[James M]

Must be a little difficult getting insurance over there eh Steve? And I think they give my postcode a hard time

53 3d Stilo Dynamic JTD - Sprint Blue

 

[Steven]

A lot of the UK companies won't touch NI post codes at all. Those that do charge a small fortune. It's just not fun at all. [!]

<h5>Click here for pictures of my Uno
Click here for pictures of my Brava

 

[The Negotiator]

What caused the problems with insurance in NI?

 

[Steven]

I guess it goes back to the troubles and the higher risk. Even though that risk is no longer there they still apply the same policies.

<h5>Click here for pictures of my Uno
Click here for pictures of my Brava

 

[The Negotiator]

You mean republican/loyalist problems? It really had an impact? I find that really surprising and would have thought there was another factor such as easier driving tests of something. It's a sad thing people can't get along better

This is getting far too deep!

 

[Steven]

Yes Paul, those problems. The driving test is the same as yours, as are the roads and most other factors.

<h5>Click here for pictures of my Uno
Click here for pictures of my Brava

 

[The Negotiator]

That is a sad but interesting fact. Let's hope that people talk rather than use violence in the future.

 

[twincamms]

I use Norwich Union Direct, I've never found a cheaper quote!

FIAT Stilo Sport. Pretty Much Bog Standard Really. Rear Roof Spoiler,
Sill Protectors, Aluminium Foot Pedals, Eibach 30mm Drop Springs.

 

[Steven]

Is that the crowd that "quotes you happy"?

<h5>Click here for pictures of my Uno
Click here for pictures of my Brava

 

[twincamms]

Yep!

FIAT Stilo Sport. Pretty Much Bog Standard Really. Rear Roof Spoiler,
Sill Protectors, Aluminium Foot Pedals, Eibach 30mm Drop Springs.

 

[Steven]

I wouldn't take insurance from them even if it was free. Thats how much their ads annoy me.

<h5>Click here for pictures of my Uno
Click here for pictures of my Brava

 

[twincamms]

I thought that was a reasonable post!

FIAT Stilo Sport. Pretty Much Bog Standard Really. Rear Roof Spoiler,
Sill Protectors, Aluminium Foot Pedals, Eibach 30mm Drop Springs.