Take out insurance for both a second car and a first car
The idea of ​​classifying the second car in the same damage-free class as the first car with the insurance company is appealing, as it may save a larger amount. Not all insurers offer this option.
The second car can be cheaper in terms of insurance.
Let us assume that your first car is classified as damage-free class 20 in the insurance and the second car is classified as damage-free class 8 by the insurance company.
- Classifying both vehicles in damage-free class 20 saves a lot of money.
- However, not all insurers offer that the first car can be classified in the lower damage-free class like the second car.
- An insurance comparison on the Internet gives you the relevant overview and tells you how to proceed.
- However, there are a few things to consider when changing insurers.
No-claims discount for second cars - you should keep this in mind
Some car insurance companies offer you insurance cover for a second car, ...
The first car remains unaffected by changes.
- First of all, the first car and the second car must be under contract with the same insurer.
- The classification may be rejected if your second car is driven by children under the age of 23.
- Once you have found an insurance company that classifies the second car as the first car, this will bring you a financial advantage.
- To stay with the example mentioned, the insurance company classifies both vehicles in damage-free class 20 internally.
- But if you want to change insurers in five years, you shouldn't be surprised if the second car suddenly comes with you No damage class 13 is classified, and not like the first car with damage freedom class 25 (accident-free for both vehicles provided).
- The second car is only classified internally and will not be passed on to the new company if the insurer changes.
How helpful do you find this article?
