Some insurers will start you on 1-3 years NCD on the second car if you insure the second car with them. The ammount of start-up NCD they give you tends to depend on your recent accident/speeding record. When I added my second car Admiral were going to give me 3 years NCD on the second car (I had 7 on the first), until they spotted my recent claims and 3 points. In the end they gave me 1 year.

Some insurers have started doing multi car discounts as well. My individual renewal quotes from Admiral this year were £900 and £500 (Impreza and MX5). After requesting to move onto their multi car scheme it dropped to £1070 (though I had got separate quotes from other insurers that matched that anyway).

It still annoys me that the second car isn't just some nominal payment though. Eryl owns her own car, we are the only two drivers of our three cars, so why should the third car still be costing £400+ in premiums. We can only drive two of them at once...

I dread insurance renewal time, the hassle of phoning round for multiple cars is a pain. When I get round to building my Ultima I'll have three cars to do it for, though the Ultima will no doubt be with a specialist (and may well end up being cheaper that the Impreza, oddly).

Places like confused.com don't help me much either. As soon as you start listing even simple modifications most of the insurers refuse to quote via confused.com

I have tried the broker route before, but that wasn't very satisfactory either. It saves you giving the same details to lots of people in the first year, when they bother to find you a good price. Come renewal time however you end up phoning around again, to discover that they haven't bothered to get you a good price on the renewal.

What we need are insurance brokers that charge fee for finding the cheapest quote, rather that brokers that get paid by the insurers.

Hmm, turned into a bit of a rant didn't it