Insurance Question

[Rage Page]

This isn't your usual rant but a question about insurance policies.

I currently drive a Mk1 MX5 1.8l insured through Greenlight for a very reasonable amount in Brighton. My OH has just passed her test (aged 26). However Greenlight refuse to insure her on my car as a named driver until she has held her license for one year.

I am planning on ringing again to get further clarification but if this is really the case what is the position on insuring a car with two individual policies most likely from two different insurers?

Each policy will be under each of our names and we won't be on each others policy as named drivers so they would be completely independent. I have read into it a little and I cannot find any sort of concrete evidence on the matter. Some people say no it's fraud(I don't personally think this is right) and other more sensible posts say its possible but many companies frown upon it due to paying out when it comes to 3rd party fire and theft(non fault) claims as both insurance companies would have to be involved.

Has anyone attempted this before and if its even possible?

Cheers,

Page

[eybic]

afaik you cannot have 2 insurance policies on 1 vehicle, not sure if it is fraud but I am 99.999999999% certain you cannot do it.

[ZOLLAR]

It's not Illegal.

Most insurers will decline to cover a car if it's fully insured elsewhere.

Some insurers will quote.

If you have an accident you can only claim against one policy not two that's where it gets illegal, the insurers will only pay their share of the claim.

[craigjm]

It isn't fraud but they will check he registration and if it is listed as insured they might refuse. Why are they specifically refusing to insure the new driver? do they have a policy of not insuring new drivers?

[Rage Page]

I see so as long as the party that had the accident makes the claim its legal but this is assuming you can get a insurance company to insure a car with a policy already in place?

[ZOLLAR]

Rage Page said:

I see so as long as the party that had the accident makes the claim its legal but this is assuming you can get a insurance company to insure a car with a policy already in place?

Yes, claims involving multiple insurers can get messy and costly so that's why insurers tend to decline to cover an insured car (some will do temporary cover but even then it's hard to get cover)

[Rage Page]

She's sensible and not likely to rag it around like a young teenager. She works in Brighton so she will be driving it rarely as its my commuter car, it's more of a convenience thing really for when we are driving long journeys or coming back from the pub.