Tiesto
Member
Registered: 6th Jun 02
Location: Hinckley, Leicestershire
User status: Offline
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Need a car to drive around in for abit and my borther has offered me his car for a little bit, while i wait for a car to come up for sale which i like.
Now i still have my insurance policy on the old car, which i would like to transfer onto his car so i can drive it, but still keep his own insurance policy running on the car.
I would go onto his insurance as a second driver but i don't want to cancel my policy as have already run 6 months of it which i don't want to lose.
Question is can you run a car with two seperate policies on?
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John
Member
Registered: 30th Jun 03
User status: Offline
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You could technically probably get away with it but no you can't.
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Whittie
Member
Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
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Are you fully comp on your policy, with the ability to drive any car with the drivers permission? If so, sorted 
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oceansoul
Member
Registered: 19th Jun 06
Location: Sunbury, Surrey
User status: Offline
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just add your self to his existing policy for the duration and keep yours running. Or if you are only going to use his car for a few days, try dayinsure. depending on your age ofcourse.
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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Yes you can and it's perfectly legal 
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John
Member
Registered: 30th Jun 03
User status: Offline
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Anymore info pow?
I was always led to believe it wasn't.
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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Insuring Dad's Capri. He's with a company for over 21's and the broker he uses said to take out a separte policy on the same car if I wanted to drive it.
But, Googling it, it does seem to be a dark area.
best off ringing local plod.
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dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
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I was under the same impression as John to be honest, maybe worth giving your local constabulary a polite phonecall as has been said
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gazza808
Member
Registered: 30th Jun 08
Location: Peterborough
User status: Offline
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girl friend tried insuring her self on her mothers car, when she stated her mum was still insured on it, they'd be commiting fraud by taking another po;icy out on it  that was direct line.
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johnhara1
Member
Registered: 19th Oct 06
Location: Newcastle upon Tyne
User status: Offline
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Always though the same as John.
I guess you'd get away with it but what if it gets written off and the 1st person gets paid out.
Does the other person have to just lump it?
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am4nf
Member
Registered: 27th Jul 08
Location: South Ayrshire Drives: Corsa Sport
User status: Offline
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its more because if there are two different insurance policies on the same car you could commit fraud by claiming from both of them, getting double money for the car
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Stu
Member
Registered: 3rd May 00
Location: Madchester UK Drives: 2014 BMW M135i
User status: Offline
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Cant insure the same car twice! If it got stolen, which company would pay? Had this problem LOADS of times! 
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willay
Moderator
Organiser: South East, National Events
Premium Member
Registered: 10th Nov 02
Location: Roydon, Essex
User status: Offline
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you can't insure a car twice according to my broker, when they go to finalise the insurance it should fail on their systems.
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John
Member
Registered: 30th Jun 03
User status: Offline
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It can technically happen because i've left insurance running on cars i've sold before until the end of the policy.
As far as I am aware it's illegal or at least not allowed though.
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johnhara1
Member
Registered: 19th Oct 06
Location: Newcastle upon Tyne
User status: Offline
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quote:
Originally posted by John
It can technically happen because i've left insurance running on cars i've sold before until the end of the policy.
As far as I am aware it's illegal or at least not allowed though.
I do this, have done it a few times. Actually doing it now  and never had any come back.
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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A guy at work has 2 insurance policies. One for him and his wife and one for his daughter. He gets asked about it if he gets pulled over but never gets anything for it.
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Stu
Member
Registered: 3rd May 00
Location: Madchester UK Drives: 2014 BMW M135i
User status: Offline
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Like I say Im pretty sure its illegal, if your going to break the law then you may as well not bother with any insurance at all!
[Edited on 20-04-2009 by Stu]
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johnhara1
Member
Registered: 19th Oct 06
Location: Newcastle upon Tyne
User status: Offline
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@ Stu
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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I'm failing to understand why it's illegal
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johnhara1
Member
Registered: 19th Oct 06
Location: Newcastle upon Tyne
User status: Offline
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If both policy holders claim for an accident, it would be paid out for twice.
That's fraud.
[Edited on 20-04-2009 by johnhara1]
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_Allan_
Member
Registered: 24th Mar 04
User status: Offline
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I left my bike insured once when I was younger for the last 4 months of the policy to get the vital no claims
Wouldn't do it again as said it is illegal and causes all kinds of grief if someone does claim. Infact my m8 got pulled on Saturday in his Bora and the pold told him it was insured under two policies and with a previous owner. He told him to ring his insurance and see if they can sort it out with the other company as he is now the registered owner and only policy holder.
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Stu
Member
Registered: 3rd May 00
Location: Madchester UK Drives: 2014 BMW M135i
User status: Offline
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quote:
Originally posted by Graham88
I'm failing to understand why it's illegal
How often does the law make sense?
All I'm doing is speaking from experience and when Ive tried to insure one car with two policies Ive been told its illegal! Yeah, there are probably loop holes and you could get away with doing it but its when you have a bad smash or run someone over that it bites you! Something to do with a "conflict of interests"
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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Fair point, it is a fucking silly rule IMO, you get done for not having insurance and you can get done for having insurance
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M2RTY
Member
Registered: 25th May 01
User status: Offline
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i have 2 policies on corsa at the moment as i sold the bmw and moved it across to keep my years ncb, but pay 9 quid a month instead of 55 now
in a week it will end tho. its only illegal if you claim
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Stu
Member
Registered: 3rd May 00
Location: Madchester UK Drives: 2014 BMW M135i
User status: Offline
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quote:
Originally posted by M2RTY
its only illegal if you claim
Yeah but if its someone else claiming off you then YOU don't have a choice in the matter!
It is a bit of a daft rule I know but I was wondering how those 24 hour policy things work then? Unless they only cover that person for that day and dont include for theft or fire etc?
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