Second Car Insurance

Why You Need Specialist Second Car Insurance

Insuring a second car can be challenging, particularly when that car is something a little more special. 

Whether you’re considering a performance car for the weekend, a classic model for occasional drives or a modern supercar for the thrill, finding the right second car insurance is just as important as choosing the vehicle itself. 

Specialist and performance cars can come with different insurance considerations, from higher repair costs and vehicle modifications to limited mileage and agreed-value cover. Understanding your options can help you find suitable protection without treating your pride and joy like an everyday family car. 

Second Car Insurance from Keith Michaels

Is there more than one car in your household? Is your second car a little more special? Whether it’s a supercar, classic, sports car or another cherished vehicle, you don’t need to settle for a standard insurance policy. 

With Keith Michaels, you could save on your second car insurance tailored to the needs of enthusiast drivers. As one of the UK’s most experienced providers of specialist car insurance, we offer highly competitive rates – even if you or another driver in your household has had motoring convictions, accidents or previous claims. 

So, if your second car is something you’re passionate about, talk to Keith Michaels about specialist insurance designed with enthusiasts in mind. Why pay more for separate policies when you could get second car insurance for a lot less? 

What is Second Car Insurance?

Second car insurance policies are designed for drivers who have more than one car at the same address, particularly if your second car is a supercar, classic car, sports car or performance vehicle. 

Rather than arranging separate policies with different insurers, you can insure your cars together while benefiting from a multi-car discount and aligned renewal dates. They’re held together separately or combined into a single policy that renews at the same time. 

It’s a convenient and affordable way to arrange specialist insurance for a cherished second car, with further discounts often available when you add additional vehicles. 

The Benefits of taking out Second Car Insurance

Here are some key benefits for having a Second Car or Multi-Car insurance policy:

• Single policy – less paper work!
• Mirrored no claims bonus
• Large discounts for restricting number of drivers on the policy
• All under one payment or direct debit
• Legal protection

Is second car insurance cheaper?

With specialist second car insurance, there’s no guarantee that combining your cars will always be the cheapest option. That’s why we review your circumstances and the available options to help find the right cover at the right price. 

This is particularly important when your second car is a supercar, classic car, sports car or performance vehicle, as factors such as value, mileage, performance and driver experience can all affect the cost of cover.  

This could mean that one car is pushing up the overall cost of the quote when they could get a cheaper quote with another insurer separately. 

With Keith Michaels, you can benefit from specialist second car insurance, competitive rates for both vehicles and the option to combine them under one policy. We can also offer a mirrored no-claims bonus, helping make specialist cover for your second car even more attractive. 

The Keith Michaels Difference 

• 35+ years’ experience 
• Every customer is treated as an individual, not a policy number 
• We are a UK-based office, not a call centre 
• We are completely independent from any insurance company 
• All policies are looked at on their own merits to find you the best policy available 

How do I add a second car to my insurance policy?

If you already have a policy with us or are looking to renew, give us a call and our brokers will be happy to assist – 0208 329 1150.

How much can I save with second car Insurance?

Depending on your circumstances, you can save on second car insurance through Keith Michaels.

Why choose second car Insurance?

Second car insurance is great for two reasons: Firstly, all your policies are streamlined into one. This means less paperwork to look after and fewer renewals to have to undertake every year. Secondly, you save money. Most second car and multi-car insurance policies offer discounts on every car under the policy, so every car costs less to insure.

Can I insure two cars in one name?

Yes. Cars can be insured in one name.

Is it cheaper?

Despite the convenience, as with any policy there’s no guarantee that it’ll be the cheapest option for you. That’s why we review all the options before suggesting your car insurance policy. We can help you find the right policy at the right price for your circumstances.

This is because the cost of getting a car insured depends on a huge range of factors such as the age and mileage, the experience of the driver and the cost and performance of the car. This could mean that one car is pushing up the overall cost of the quote when they could get a cheaper quote with another insurer separately.

How does a second car Insurance policy work?

If the cars are registered at the same address, you can apply for second car insurance policies. Any vehicles covered must generally be for private use only, while the drivers covered by the policy can only drive all the insured cars if they are registered as named drivers for them. A 12-month policy will generally start on the date that the last car insurance policy is up for renewal, with short-term cover used to protect the other cars in the interim.

For example, if you have one car that needs to be insured from January and another in March, the January car will be insured first but the policy will actually renew in March when both cars are covered. After the last car has been insured for a full 12 months, the policy will renew each year until you choose another policy.

Who is second car insurance cover for? 

In short, specialist second car insurance can be ideal for anyone with more than one vehicle, particularly when your additional car is a supercar, classic car, sports car or performance vehicle. 

Whether you’re a couple, family or enthusiast with multiple cars, a specialist second car policy could help reduce your overall insurance costs while providing cover tailored to your cherished vehicle. 

Can I apply my no claims bonus to a second car?

We are able to offer a mirrored no claims bonus to our second car policies. Mirrored no claims discount means that for drivers who have earned no claims bonus (or “NCB”), on their insurance policy for one vehicle, under certain conditions they have the option to use that NCB on a vehicle.

This is not the same as transferring your no claims bonus from one vehicle to another. With a mirrored NCB, you effectively enjoy the discount on both vehicles at the same time.

What if all cars have different renewal dates?

Rather than cancelling your existing insurance policy, you can add new cars to the policy throughout the year as they reach their renewal date. If you have more than one car in your family or household, it’s likely their insurance policies will expire at different times. But some insurers will allow you to bring each car onto one multi car policy without having to cancel a current policy and facing a cancellation fee.

In most cases, you can start your policy with one car but benefit from a multi car discount straight away. Simply state the second car’s policy renewal date and it will automatically be brought on to the second car policy when ready.