I've no idea how exactly it works!
But here was the most recent situation:
I had a 1986 Reliant Rialto, then I bought a 1972 DAF 44. Putting both on the same policy, but with limited mileage (3000) in March 2009 cost £101. Looking at the schedule, I think the younger one is counted as the 1st vehicle.
Then last August I bought a 1982 Volvo 343. Managed to add that (and an additional driver) to the policy for £30 premium plus £15 paperwork alteration. So another £45 to add that until policy expiry. At this point with the three cars, it became unlimited mileage.
Got my renewal in March 2010. £101 for all three, unlimited mileage. By that time the DAF 44 was exported over here, so I put my 1969 Reliant Regal on the policy to keep it at three vehicles on the policy (and at the same time swapped the friend who was down as named driver for a different one).
I've never had a normal everyday car, one of these being the "daily" driver. Certainly in the past the deals have differed and I've had to insure some cars separately. Generally if it was over 30 years old, it wasn't a problem to be offered unlimited mileage for no extra premium over say a 3000 mile limit. If it was less, it was sometimes restricted mileage, sometimes unlimited.
Anyway, it was through Footman James. I've been with them some years now. Having a look at the paperwork I do have here, the
actual insurer underwriting the policies has changed on occasion. As different insurance schemes come and go though, your mileage may vary...
So in answer to your question. It's three cars on the same policy,
but I don't have a normal everyday commuted insured separately.
It's weird, because in the last few years, it's been pretty much the same price whether I have had insured one, two or three cars - guess the insurer's have finally worked out I've only got one arse.
