Insurance question, 2 policies on 1 car?

[volvos60s60]

Daughter 1 has been driving on her own policy for over a year & has a no claims discount.
Daughter 2 will start learning to drive soon. They will both share the same car. I want daughter 2 to have her own policy as well so she can hopefully build up a NCD, & also if one of them has a knock, it will not impact the other's NCD. Can this be done, 2 drivers, 2 policies, 1 car?

[GoodDoc]

Two policies on one car will cause all sorts of issues in the event of a claim. Not sure if it's permitted, but it's certainly not a good idea

[Haribo Man]

There are a number of reasons why you can't do this. Firstly the vehicle insured would normally have to be registered to the insurance proposer so would cause complications this way and potentially one of them would not provide cover. The other is getting into the world of dual insurance and contributions which wouldn't be advisable for a motor policy.

Perhaps the best bet is going through someone who will issue NCD to both drivers (direct line)? who do this.

[ZOLLAR]

Haribo Man said:

There are a number of reasons why you can't do this. Firstly the vehicle insured would normally have to be registered to the insurance proposer so would cause complications this way and potentially one of them would not provide cover. The other is getting into the world of dual insurance and contributions which wouldn't be advisable for a motor policy.

Perhaps the best bet is going through someone who will issue NCD to both drivers (direct line)? who do this.

Usually the name diver will build up a named drivers NCB which is different from a policyholders NCB in that it can only be used with the insurer the policy with and is non transferable.

[RedAlfa]

ZOLLAR said:

Usually the name diver will build up a named drivers NCB which is different from a policyholders NCB in that it can only be used with the insurer the policy with and is non transferable.

Is dual insurance illegal? Sounds complicated, and I would't pay for two premiums.

[ZOLLAR]

RedAlfa said:

ZOLLAR said:

Usually the name diver will build up a named drivers NCB which is different from a policyholders NCB in that it can only be used with the insurer the policy with and is non transferable.

Is dual insurance illegal? Sounds complicated, and I would't pay for two premiums.

Insuring a car twice isn't illegal what is illegal is claiming off 2 policies for one accident (if that makes sense) but I still wouldn't advise it as it could get very complicated.

[volvos60s60]

So for both kids to have their own policy & NCD they have have to have their own car each - how ridiculous!!

[Noger]

ZOLLAR said:

Haribo Man said:

There are a number of reasons why you can't do this. Firstly the vehicle insured would normally have to be registered to the insurance proposer so would cause complications this way and potentially one of them would not provide cover. The other is getting into the world of dual insurance and contributions which wouldn't be advisable for a motor policy.

Perhaps the best bet is going through someone who will issue NCD to both drivers (direct line)? who do this.

Usually the name diver will build up a named drivers NCB which is different from a policyholders NCB in that it can only be used with the insurer the policy with and is non transferable.

Yeah, that is the gotcha for named driver NCD. Although you may be able to cheat a bit, and use it to get a policy for a year with the insurer then move ? Although some insurers are wise to that and use something like "number of claim free years" and "bonus" separately.

There is no particular reason why you can't have two policies on one vehicle. Unless you are named on another policy, then contributions are unlikely to be an issue. And many insurers are OK of the owner is a family member.

The main problem is with MID update, and it is a bit an admin headache. But if you can find someone to do it, there is no legal reason why not.

[ZOLLAR]

volvos60s60 said:

So for both kids to have their own policy & NCD they have have to have their own car each - how ridiculous!!

Well not really as someone could be on a provisional licence on a policy never drive and end up with 5 years NCB which isn't an accurate reflection of their driving history.