2 policies on 1 car??

[OMGASAXO]

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? 🤔

[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.

[OMGASAXO]

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 👍

[L33h]

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.

[bearpuncher]

it just goes under the policy of whoever the driver is at the time of an incident where somebody does themselves a mischief

[bearpuncher]

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

[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

[bearpuncher]

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.

[elliotthorwood]

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.

[BUMMERS]

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

[bearpuncher]

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.