5 replies to this topic

[jiff]

....has anybody taken out a Carole Nash 'six wheel' policy........?

what this means is that your car & your bike are covered by the same policy.....(in my case car & two bikes, though one on a SORN)

the advantage seems to be that you 'should' save between £60 & £100+......at least partially because certain items which would appear, and need paying for, on each individual policy, for bike & for car, don't require duplication in the joint policy......like legal representation, breakdown recovery etc.....also, via some different mechanism, the cost of protecting your NCB.....

A downside is that, the cover for bike & car needs to be concurrent, thus a payment will need to be made on one existing policy to cover the period to bring its 'start date' to coincide with the other.....but obviously that's only for the initial alignment in the first year.
There maybe implications thereafter to do with bike & car insurance being locked together....but of course you can always cancel or not renew, if you have reason to feel that separate policies are preferable....
....like spreading the cost so you don't have to shell out all at once......

Interested to know of anyones experience.......in as far as I could get my head round the whole gig, it would appear likely to save me £100+ next year (my bike is already with CN)

........jiff

[butcher650]

Interesting conception there from CN. I work in the insurance industry and for one of the big ones that do multi-car insurance. When they first introduced it, I worked in the contact centre selling it and doing customer service on it. I now work in the IT dept that maintains its rating/acceptance structure and algorithms. 

 

It does offer a saving for the first year, and if you are claim free, live in a good area etc etc, it tends to be very good thereafter that as well. (My parents have it for their cars). The only downside which is stopping me having it at home for my car and the other half's car, is that it will align the renewal dates, so if you do then decide to go with separate policies a year or two down the line, you then have two cars due for renewal at the same time as opposed to one. I should imagine the 6 wheel policy with CN would work the same.  

 

This 6 wheel policy seems great like multi-car insurance policies, but the only thing that would stop me is the alignment of renewal dates. Some say its easier because its less to think about, but for me I don't want the expense all at once if you do then change again. This however is of course, just my humble opinion! 

[Favs]

Priced this up in June (bike due). Was cheaper to wait until Jan (car due) for a more realistic price - starting it in June I would have been £50 ish out of pocket!

[dmmsta]

I looked at this a while back, and it was significantly more to have their 6 wheel policy that 2 separate policies with different insurers...

 

The car is a 53 plate 1.6 Golf - nothing fancy and no mods of any sort, so other than being a VW isn't a big risk motor.

[Oafski]

I had this for just over a year. CN charged like a wounded Rhinoceros from July until September until the Car renewal and the renewal premium a year later was eye watering. Got two separate policies through Swintons and they give me £50 cash back for having a Car insured through them on the bike Bike policy and £30 cash back on the Bike one for having the Car with them.

[Robodene]

I keep my car and two bikes all on separate policies because it gives me flexibility - to change insurers. That I think is the way to have a chance of decent premiums. My Ireland-residing son rides one of my bikes and that is a complication which I can contain in one policy.