2 policies on 1 car??

1. OMGASAXO Established Member Joined: Dec 2011 Derby Posts: 1021 Posi saxo, flatty, Peugeot bipper, Vauxhall vectra

   #1 15th May 2016, 21:47

   Is it legal to have a car insured with 2 different insurers at the same time? The thing is the Mrs is learning to drive so we've got a nice cheap insurance for her specially for learners but can't insure me on that policy... (I'm not covers third party due to my age) so can I insure my self on that car with another insurance company while the Mrs is insured on another policy? 🤔
2. Phaeton Regular Poster Joined: Aug 2015 Sunny Worksop Posts: 441 1989 MK1 MR2 with V6 3.0L Camry engine

   #2 16th May 2016, 07:35

   It's not illegal to have 2 policies on the same car, it would however be illegal to claim on both policies in the event of an accident.
3. OMGASAXO Established Member Joined: Dec 2011 Derby Posts: 1021 Posi saxo, flatty, Peugeot bipper, Vauxhall vectra

   #3 16th May 2016, 21:59

   Quote:

   Originally Posted by Phaeton It's not illegal to have 2 policies on the same car, it would however be illegal to claim on both policies in the event of an accident.

   Thanks that's good to know 👍
4. L33h Saxperience Post Whore Joined: Oct 2007 North-east - Washington Posts: 7311 Clio 182, Fireblade GSX-R 750

   #4 16th May 2016, 22:16

   I tried to get insured on my mams car when she was on holiday. They said they couldn't do it as there's already another policy out on that car already.
5. bearpuncher Infrequent Poster Joined: Jun 2016 the greyest city in the world Posts: 160 106 gti onyx black

   #5 21st June 2016, 16:30

   it just goes under the policy of whoever the driver is at the time of an incident where somebody does themselves a mischief
6. bearpuncher Infrequent Poster Joined: Jun 2016 the greyest city in the world Posts: 160 106 gti onyx black

   #6 21st June 2016, 16:34

   same as if you lend someone your car and their insurance covers it for 3rd party, thats 2 policies running for 2 drivers of the same vehicle
7. VTR_Craig Saxperience Forum Bum Joined: Apr 2007 Lincoln/Newark Posts: 2673 Mercedes C220, Scooby, Saxo VTS

   #7 22nd June 2016, 09:05

   No you can't take 2 policy's on the same vehicle. If you tried, the insurance should pick up on this on not allow it
8. bearpuncher Infrequent Poster Joined: Jun 2016 the greyest city in the world Posts: 160 106 gti onyx black

   #8 22nd June 2016, 16:17

   Quote:

   Originally Posted by VTR_Craig No you can't take 2 policy's on the same vehicle. If you tried, the insurance should pick up on this on not allow it

   ive taken out 2 policies on 1 car when it was cheaper to insure on my own than be added as a driver to my mums policy.
9. elliotthorwood Infrequent Poster Joined: Jun 2012 bristol Posts: 168 Mk1 (mk2 in disguise) vtr turbo.. sort of. (N3 EBH

   #9 22nd June 2016, 16:24

   just confuse everyone some more!
   
   Hi,
   
   "I am an insurance professional. You can insure the vehicle on two seperate policies, however, you would not benefit from this. If dual insurance exists (more than one policy) each insurer has to pay a contribution towards any claim. Therefore, both policies would then lose their No Claims Discount anyway.
   
   You would still lose your No Claims Discount either way.
   
   Sorry."
   
   quote taken from money super market.
10. BUMMERS Regular Poster Joined: Feb 2016 manchester Posts: 256

    #10 23rd June 2016, 10:01

    Surely you'd only claim on one policy though, not both of them.
11. bearpuncher Infrequent Poster Joined: Jun 2016 the greyest city in the world Posts: 160 106 gti onyx black

    #11 4th July 2016, 16:18

    Quote:

    Originally Posted by BUMMERS Surely you'd only claim on one policy though, not both of them.

    yes.
    
    whoever the driver was and their insurer would be the go to guys.