Tiger
Member
Registered: 12th Jun 01
Location: Leicestershire Drives:Astra VXR
User status: Offline
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Can you have more than one policy of insurance for a car?
i.e. I'm going on holiday and my sis wants to get her insurance to insure her on my car.
Is it possible?
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SR91
Member
Registered: 21st Jun 08
Location: Lancashire.
User status: Offline
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Why dont you put her on yours? 
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S@M
Member
Registered: 3rd Oct 07
Location: East Yorkshire
User status: Offline
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yes thats fine
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Tiger
Member
Registered: 12th Jun 01
Location: Leicestershire Drives:Astra VXR
User status: Offline
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quote:
Originally posted by SR-91
Why dont you put her on yours?
Hassle for me.
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3lfz
Member
Registered: 16th Nov 08
Location: Torquay
User status: Offline
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So selfless 
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BluKoo
Member
Registered: 8th Apr 02
Location: Stonehaven (Scotland)
User status: Offline
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I've always wondered what would happen if you insured one car with two or three separate policies.
If you wrote the car off, would they all have to pay out?
Or would the other two not pay out because the other company claimed the car for salvage/scrap 
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John
Member
Registered: 30th Jun 03
User status: Offline
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You can't, best bet is your insurance covering her.
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John
Member
Registered: 30th Jun 03
User status: Offline
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You could end up with nobody paying out, what one would want to take responsibility.
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Tiger
Member
Registered: 12th Jun 01
Location: Leicestershire Drives:Astra VXR
User status: Offline
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So can she or cant she get her insurance to insure her on my car?
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CorsAsh
Member
Registered: 19th Apr 02
Location: Munich
User status: Offline
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Get her policy to cover her for driving any other vehicle 3rd party?
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James_DT
Member
Registered: 9th Apr 04
Location: Cambridgeshire
User status: Offline
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quote:
Originally posted by Tiger
So can she or cant she get her insurance to insure her on my car?
DayInsure.com allow it, so I can't see it being illegal. The insurance company might refuse to do it though, Direct Line did when I tried to insure my Mum's car on my policy before she went away.
If her company won't do it, she can use DayInsure.
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CorsAsh
Member
Registered: 19th Apr 02
Location: Munich
User status: Offline
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Here's the breakdown.
Every car can have only one insurance policy related to it, same as it can only have one registered keeper.
However, provided it has its own policy, someone else whose policy specifically states that they are insured to drive someone elses car with their permission is also covered, but usually only third party.
If you want her to share the same level of cover as you, you have to add her as a named driver to your policy.
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CorsAsh
Member
Registered: 19th Apr 02
Location: Munich
User status: Offline
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Dayinsure will only cover you for upto 28 days, it's strictly temporary. I've used it a couple of times to drive my dad's car when I've been in the UK.
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S@M
Member
Registered: 3rd Oct 07
Location: East Yorkshire
User status: Offline
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ive had a car insured with another insurance policy already on it.....!
whoever crashes, their insurance would be liable
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antnee
Member
Registered: 30th Dec 07
Location: Cov Drives: Clio 197
User status: Offline
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Im sure you can have more than one policy for a car, but you can't claim on all policy's for one accident. As think about what happens when your car goes into the garage, their policy covers it for the employees to drive it and in case of theft too, while your personal policy still is valid
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Pop
Member
Registered: 8th May 03
Location: Reading
User status: Offline
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You shouldn't have more than one policy for a single car. In the event of a claim the two will cancel eachother out.
Add her to your policy.
[Edited on 12-06-2009 by Pop]
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