We got a good deal with Privilidge for the original three cars - 1999 Subaru Imprezza 2l sport, Honda s2000 (both with business use) and the masarati - both of insured to drive all three and the quotes totalled around Â£700. For the new addition, a subaru WRX sti to the fleet (again with business use and for both of us), AIB gave us a good quote and we may move all the others across when they come up for renewal.
We have had the family fleet (GT, new S-Max,and the teen kids 2x Punto turbos) with Admiral multicar for several years. They always do a good deal for new customers- the trick is each year when you get the inflated renewal price, is to cancel the policy and start a "new" one. Admiral are quite happy to do this. Just Â£1500 for the 4 cars this year...........We did have a claim on one of the Punto's and no complaints with how the claim was handled...
That's even more interesting. AIB have more or less matched the Admiral quote within Â£5. Excess: some a bit more, some a bit less, all cars covered with NCB protection, legal cover and 30 days EUR cover (which I expect is extra with Admiral). With the Firm that owns Lancaster and Zenith.
Lesson: Even if both are "new customer loss leaders", then complacency with one's trusted broker isn't wise
Some of the unexpected things seem to include that the premium sometimes goes down when you add more drivers, and sometimes goes UP when you take a higher excess (as underwriters think this means you have a record of small accidents).
In the end I opted for Admiral. Although AIB were close to within Â£100 or so for all three cars, they weren't able to stagger the switch-on of the two vehicles which still had 4 or 5 months remaining cover on existing policies (refunds are bad values).
I'd have preferred to have opted for AIB with a reputable insurance company, however, not only were Admiral more competitive, they can switch on two of the three later.
They'll all converge for renewal at this time next year, and certainly try AIB again.