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multi car rip off

i have four cars. im the only named driver. total premiums between them? £2000.00. if i had one car i would do the same miles, represent the same risk and yet the one car would cost £600 to insure. we are told that it is the risk and the person that is being insured. generally the value of the car is immaterial. none of my cars is worth more than £5000 so why does an insurance company see me as four times the risk? i cant drive all four at once

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The risk when you are out driving is only part of the total risk, especially if you are insured Fully Comprehensive and particularly if they are not garaged. However, the discount ought by rights to be higher. They probably assume that you do a higher than usual mileage because of all those cars. There are ways to reduce the cost. If you specify a low annual mileage on a car it does cut the premiums. Mine is restricted to 5,000 miles. The usual reason for having several cars is when some are classic cars that might only be used for going to official events. You might be able to get special insurance for these through the Owners Club. Mike



The same thing happened to me. I was the only named driver for 2 vehicles (both BMW 3 series). The first vehicle insurance cost about £300 but the cheapest I could get the second one for was £700. The reason for this is that you can only use NCD on one vehicle. When I queried this I was told that the NCD is tied to the vehicle, not the driver. Complete nonsense because if you change your car then your NCD is applied to the new one. NCD is what I have built up as a driver - nothing to do with the vehicle. A H