Insurance - Two policies on one car.
Discussion
Bootey said:
It's not possible as you are not the owner or registered keeper of the vehicle and would mean the car is dual insured.
If you google temp cover you would be able to do it with one of those company's but not on your own.
Please stop posting misinformation. Insuring something twice is entirely legitimate, and not restricted by law in any way. You cannot claim on two different policies for the same loss, but there is nothing to stop you having more than one policy. If you google temp cover you would be able to do it with one of those company's but not on your own.
Meoricin said:
Please stop posting misinformation. Insuring something twice is entirely legitimate, and not restricted by law in any way. You cannot claim on two different policies for the same loss, but there is nothing to stop you having more than one policy.
I think you will find you are wrong in the context of the OP. To insure a vehicle on a private car policy you must be the owner and registered keeper of the vehicle.It is one of the material facts of a policy and is in place to stop children insuring themselves on parents vehicles without there permission.
Best option for him is to just get added on to the vehicle as a temporary additional driver.
Benjy911 said:
Is temp cover through Admiral not the same as temp cover through any other insurer?
There are a few out there that do it including tempcover, day insure and admiral may be doing it as well now but I wouldn't know as they don't deal with brokers.If your parents insurers will allow you on their policy temporarily it may work out cheaper though. Worth a go but you may have already tried that.
Bootey said:
Meoricin said:
Please stop posting misinformation. Insuring something twice is entirely legitimate, and not restricted by law in any way. You cannot claim on two different policies for the same loss, but there is nothing to stop you having more than one policy.
I think you will find you are wrong in the context of the OP. To insure a vehicle on a private car policy you must be the owner and registered keeper of the vehicle.It is one of the material facts of a policy and is in place to stop children insuring themselves on parents vehicles without there permission.
Best option for him is to just get added on to the vehicle as a temporary additional driver.
varsas said:
Nope, afraid that's not true either. How would people insure company cars? Any more reasons you want to try?
Because you would enter that the vehicle is owned by a company and then the registered keeper as the vehicle leasing company / proposer depending on whether you are insuring a Business car that will also be used by other members of the company to enable class 2 business use and not just class 1 as you must have an insurable interest in the vehicle.
Bloody hell trying to help the Op out in the situation that he asked.
Do you have any other questions or insurance information you would like to ask or know?.
Fish981 said:
Stop making stuff up then.
I think you will find that I am not. Give your insurance company / broker a call in the morning and ask if you can do any of the above. Also if you dual insure a vehicle how do you prove who the driver was in the event of an accident or who the last person to drive the vehicle was should a theft occur and what excess is to be paid plus how will the mid be updated?
P.s sorry OP seems like your thread has been hijacked now. Just trying to help you as it's my day job. Only joined yesterday but it seems postcount's count more than experience.
Hope the advise helped.
Edited by Bootey on Thursday 31st May 21:22
Edited by Bootey on Thursday 31st May 21:23
Bootey said:
It's not possible as you are not the owner or registered keeper of the vehicle and would mean the car is dual insured.
Sorry this is incorrect. You do not need to own or be the registered keeper to obtain insurance on a private policy. Just page 2 of the confused.com site gives you this option. Who owns the car and who's name is on the registration document. You can still obtain a policy.
What if someone wanted to borrow a car for a few months. They are neither owner or RK. Temporary cover may work out more expensive than taking out a full policy.
barker22 said:
Sorry this is incorrect. You do not need to own or be the registered keeper to obtain insurance on a private policy.
Just page 2 of the confused.com site gives you this option. Who owns the car and who's name is on the registration document. You can still obtain a policy.
What if someone wanted to borrow a car for a few months. They are neither owner or RK. Temporary cover may work out more expensive than taking out a full policy.
Exactly. I was owner and RK of my Land Rover whilst Dad was insured on it before I could driveJust page 2 of the confused.com site gives you this option. Who owns the car and who's name is on the registration document. You can still obtain a policy.
What if someone wanted to borrow a car for a few months. They are neither owner or RK. Temporary cover may work out more expensive than taking out a full policy.
Bootey said:
I think you will find that I am not. Give your insurance company / broker a call in the morning and ask if you can do any of the above.
Also if you dual insure a vehicle how do you prove who the driver was in the event of an accident or who the last person to drive the vehicle was should a theft occur and what excess is to be paid plus how will the mid be updated?
My girlfriend is borrowing (and insuring) my car while I'm out of the UK working. I'm even the named driver on the policy for when I visit. She disclosed all of this at the time and it had a small effect on the cost - we got it for £2 cheaper!Also if you dual insure a vehicle how do you prove who the driver was in the event of an accident or who the last person to drive the vehicle was should a theft occur and what excess is to be paid plus how will the mid be updated?
As has been said above, your advice is incorrect.
littleredrooster said:
Bootey - sorry pal, but you're talking b
ks. I, and many others, have had short-term insurance on a car that we don't own or keep.
Throw the shovel away now, before the hole gets any deeper.
You are correct there are insurers out there that do do short term insurance which is just that but it is very expensive. Occasionaly there are insurers that will allow it but they are few and far between.ks. I, and many others, have had short-term insurance on a car that we don't own or keep.Throw the shovel away now, before the hole gets any deeper.
There is however no problem in being insured as a temporary additional driver on the insured's policy.
Has anyone every had to actually make a claim when insuring someone else's car that is already insured elsewhere other than when using a courtesy car?
daemonoid said:
My girlfriend is borrowing (and insuring) my car while I'm out of the UK working. I'm even the named driver on the policy for when I visit. She disclosed all of this at the time and it had a small effect on the cost - we got it for £2 cheaper!
As has been said above, your advice is incorrect.
Yes but your not insuring it twice. It is perfectly acceptable to insure a vehicle that is owned by a spouse or common law partner as you both have an insurable interest in the vehicle.As has been said above, your advice is incorrect.
Meoricin said:
Bootey said:
It's not possible as you are not the owner or registered keeper of the vehicle and would mean the car is dual insured.
If you google temp cover you would be able to do it with one of those company's but not on your own.
Please stop posting misinformation. Insuring something twice is entirely legitimate, and not restricted by law in any way. You cannot claim on two different policies for the same loss, but there is nothing to stop you having more than one policy. If you google temp cover you would be able to do it with one of those company's but not on your own.
I've tried to get insured on a mates car so that I could take it to a show and my insurers wouldn't let me do it because you can't insure the same car twice as there would be a conflict of interests in the event of a claim being made. When I was in personal injury insurance sales most policies stated that if another policy existed then the insurance would be void.
I don't think its possible, though it might be on one of these short term policies that are available now.
I don't think its possible, though it might be on one of these short term policies that are available now.
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