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Jul 18, 2014 12:59:47 GMT
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Has anyone owned a car with 2 different policys on the car ? I'm looking to share a car with my brother and his SWIMBO . We would both want to have seperate policys on the same car if thats allowed ?
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Jul 18, 2014 13:27:29 GMT
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Why not take out a joint policy that is completely separate to your own main vehicle policies ?
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Jul 18, 2014 13:35:18 GMT
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Most policies seem to have an exclusion that says the loss or damage can't be insured by more than one policy so that two companies don't end up paying out over one set of repairs or one total loss.
A car I bought recently was still on the PO's policy and my own insurers phoned me about it so they do check.
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Jul 18, 2014 14:01:31 GMT
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Most policies seem to have an exclusion that says the loss or damage can't be insured by more than one policy so that two companies don't end up paying out over one set of repairs or one total loss. A car I bought recently was still on the PO's policy and my own insurers phoned me about it so they do check. Thanks , thats what i wanted to know . I wanted individual policies as my brothers other half is learning to drive , albeit reluctantly so i was going to buy a car she likes [ as well as myself and brother ] to get her interested . |
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Jul 18, 2014 22:27:33 GMT
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Its not allowed unless the second policy holder is trader that is holding a customers car long term and they have it on their traders policy.
The policy holder should be the main driver ,that's the person who uses the car the most and doesn't have to be the registered keeper although most policies state that you have to have the car registered in your name the other drivers should be listed on the policy as named drivers and you MUST declare the learner driver as a learner.
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Ok thanks for clearing that up 1300dolly . Looks like we will have to do some money moving to me and go on my policy . I'm a bit worried if she crashes it will it affect my no claims ? [ i have a daily driver as well ]
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Learners are cheaper to insure than passed new drivers, I do recall an advert saying the ncb goes per driver or similar so a bump wont affect everyone, can't remember the company name though.
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Thanks welshpug , not to concerned with the cost , I'm worried about losing 17 tears no claims !!
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The policy holder should be the main driver ,that's the person who uses the car the most and doesn't have to be the registered keeper although most policies state that you have to have the car registered in your name the other drivers should be listed on the policy as named drivers and you MUST declare the learner driver as a learner. DVLA told me to register a van in JOINT names - myself and a mate ! Paul h |
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