HAÏTI : Affaires "Café Trio" - Accusé d'avoir été impliqué dans cet acte Terroriste à Café Trio - Le délégué du Nord sort de son silence et accuse les sénateurs

HAÏTI : Affaires "Café Trio" - Accusé d'avoir été impliqué dans cet acte Terroriste à Café Trio - Le délégué du Nord sort de son silence et accuse les sénateurs...

Autres Dossiers : Jacques Sauveur Jean Explike Kijan Bandi PHTK Yo Manke Touye'l Nan Konferans PetroCaribe A...

_Promoted

Best Multi car insurance and Loans

Here are the best multi car providers from our top 10 car insurers:

1. Aviva - Up to 33% multi-car discount, separate claims records, allows each car to have different levels of cover and excess
2. Sheila's Wheels - up to 10% multi-car discount, matched no claims bonus, separate claims records
3. LV= - 5% multi-car discount, matched no claims bonus (up to nine years), separate claims records
4. Saga – 5% multi-car discount

Direct Line and Churchill both offer multi-car discounts but do not state how much you can save.
John Lewis Finance, Age UK, RIAS and Tesco do not offer multi car discounts.
There are a number of other providers not in our top 10 that offer discounts, for example, Admiral’s multi car insurance discount is linked to the amount of cars you add and it says 10% of respondents between 1 July 2017 and 31 December 2017, who gave a best alternative price saved £356.
The concept of multi car insurance is pretty simple; insure more than one car with the same insurer to receive a discount.
However, there are a few things to consider when selecting a multi car policy. In fact, the first thing you should do is make sure it will actually save you money because in some cases it can be cheaper to buy individual policies for each car.
The level of savings will depend on your personal circumstances but mainly relate to the age and model of the cars being insured and your driving experience.
For example, adding an 18-year-old who has just passed his test onto the same policy as a 50-year-old with a nine-year no claims bonus may not result in a saving.
It may be better for a new driver to look at companies that specialise in young drivers or black box insurance.
Multi car insurance comparison can be difficult because you may not be able to see rates for multi policies on price comparison sites. However, we recommend shopping around – first for individual policies for each car and then comparing a range of multi-car quotes.
To get you started, we have ranked the multi car policies offered by our top 10 car insurers.
To do this, we’ve looked at three key points:

• Discount - the money off offered for insuring more than one car with an insurer. Sometimes this is a fixed saving or it can be linked to the number of cars you add to the policy.
• Matched no claims bonus - this part of a multi-car policy allows you to apply the longest no claims bonus of a vehicle being insurers to both cars. Not all companies offer it. It can add extra savings, but check whether the no claims bonus of both cars will be affected if either car is involved in an accident.
• Separate claims records - a multi-car policy with a separate claims record ensures that if a car is involved in an accident it will only be logged on that vehicle’s record. That means it won’t impact the no claims bonus of the other car on the policy.

There are a couple of other important factors that may influence your decision. First, whether you can set different cover or excess levels for each car on the policy. If all the drivers are a similar age and drive comparable models it may not be much of an issue for you, but flexibility may be desirable for some households.

You will also want to look at how insurers approach different policy start dates. It may be the case that one person already has a policy with a company and wants to add another car to receive the multi-car discount. But what happens if there is a four-month gap in when the policies renew? Some firms insist that all cars have the same policy start date, while others allow separate start dates.
If you need to have the same start date, check if your provider (especially if it’s the same company you’re starting a multi-car policy with) will provide a refund for any of the current policy you are not going to use. And make sure you never have any gaps in cover.

Be sure to check any caveats to multi-car policies. For example, Aviva says 20% of customers are expected to receive the maximum 33% discount and it is only applied to the cheaper of the two vehicle insurance prices. It goes on to say the discount does not apply to optional extras and the maximum discount is available on policies with either one driver, or two drivers who are domestic partners using their vehicles only for social domestic and pleasure.