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Insuring a second car: what should you pay attention to?

When insuring a second car, you can benefit from the so-called second car scheme. This means that when you take out a second car insurance, you do not have to build up claim-free years in order to receive a discount. Damage-free years entitle you to a discount of up to 85% on the basic premium. Insurers have different regulations for 2nd party car insurance.

Insuring a 2nd car

The most favourable method for a second car is to copy the discount on the first car. This means that if you get a 65% discount on the existing car insurance, you will also get a 65% discount on the second car. Another method is to take over the discount of your first car insurance up to a certain discount amount. The last option of the second car scheme is to get a fixed percentage discount for your second car.

When you insure your second car and the discount of the first car is taken over, the policies are not linked. This means that damage to one of the two cars will not affect the other car insurance. When ending the 2nd car insurance, you are entitled to the accrued claim-free years in this policy. The discount makes it seem as if you have built up many claim-free years in the policy. However, this is the extra discount you get in connection with the claim-free driving in your first car. This often causes confusion when ending the second car insurance.

insuring a second car

Car insurance second car

There are a number of requirements for second car insurance when you use the second car scheme. Often, it is not permissible to include your children as regular drivers on the policy. The scheme covers the regular drivers of the first car. It also applies that the second car, with many insurers, may not be in the name of someone else, such as your children. In addition, insurers may impose restrictions on the amount of the catalogue value for the second car's car insurance.

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Oldtimer as second car

When your second car is an old-timer, you might want to take out old-timer insurance for it. The premium of an old-timer insurance is considerably lower than the premium of a regular car insurance. However, there are specific requirements to the use of the old-timer. You can only drive a limited number of kilometres per year with the old-timer. Most insurance companies use a maximum number of kilometres of 5000 or 7500 per year. Also, the old-timer may not be used for daily use.

Do you need help with car insurance for your second car? Please contact us, we are happy to help! We are available on working days between 08:00 and 18:00 on telephone number 088-6883700.

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