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  1. #1
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    +++ Insuring the Driver VS Insuring the Car +++

    Hi all,

    I've been know to change cars very often. In fact I've had about 18 of them in the past couple of years. And I always had the headache of switching cars on my insurance and switching insurances etc etc.

    Now, I have a Williams 2 which I'm not/won't be selling. But to be fair it is not the most practical car for every day for me so I'd like to keep it as a track/weekend car. And I will also buy another car (bmw/jag/audi....) for everyday use in a little while.

    Knowing myself, I will probably keep switching between my everyday cars every 3-4 months. And so I want to sort out my car insurance once and for all!

    So:
    - I have no claims 6 years
    - No points on licence
    - do not run a car business
    - one Williams for weekends
    - one or two other cars for everyday use
    - will be switching between everyday cars regularly.

    Can I legally insure myself as a driver no matter which car I'm driving at any given moment, instead of insuring every car I get over and over again? What is the best insurance solution in my situation?

    Thanks guys, your help/suggestions is much appreciated!

  2. #2
    Forum User Andyvalver's Avatar
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    Thats a good question

  3. #3
    Founder FATBOY's Avatar
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    i think your referring to a traders policy.... not sure how expensive they are? and not sure if you have to prove your in the motor trade to get one?
    CLIO WILLIAMS 0215

  4. #4
    Forum User wavy's Avatar
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    trader insurance ? not sure it can e done like that mate

  5. #5
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    admiral multi car??

  6. #6
    Founder FATBOY's Avatar
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    must be an old thing then? my old man has still got his (he used to buy and sell about 20 years ago full time) he is insured to drive any vehicle.
    CLIO WILLIAMS 0215

  7. #7
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    Yes it can be done my sons mate has one . i almost did it but chickend out .

    its not as pricey as you might think, and as long as you have three cars or more (dont have to be all on the road) an say your doing them up to sell them no problem....i found them very helpful.

  8. #8
    Forum User stan's Avatar
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    Mine works on a "blanket" scheme, whereby im insured to drive any vehicle in my possesion upto £25k.

    I can also then add permanent vehicles outside of this blanket.

    I think the road risk section of my policy (the rest is contents/public liability/service indemnity) is about £800-900. That pretty good imo..

    Im 99% sure you have to be trading in motor trade, but dont quote me on that...
    ring around a few places would give a more definite answer.

  9. #9
    I think the law changed to mean you have to have specific premises in order to qualify for 'traders' policies... some companies would not allow the same address of work being your home address.. i.e. it had to be separate and not just working in your back shed.

    Some may let you get away with it, but it is an area that is being tightened up due to people abusing it.

    Even as a mechanic, im sure most places will expect a separate address and proof of 'trade' i.e. license, credentials etc..

  10. #10
    Forum User stan's Avatar
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    Could have a point there about the address tbh...


 

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