Can you have two people insured on one car?

[anonymous-user]

I have my car and my ncb as main driver.
My husband to be would like to continue building his ncb on mine. Can he insure himself with a different insurance company as a main driver although he is not the legal owner?

I am guessing this is illegal right?!

[JimbobVFR]

Don't think it's illegal, claiming if something happens can be complicated though according to this

https://www.comparethemarket.com/car-insurance/con...

[Pica-Pica]

You will get many different opinions here. The only way to establish a fact would be to ask around several insurance companies. The only thing ‘illegal’ would be undisclosed information that an insurance company would regard as a heightened risk. State that the objective is to build up NCD and ask the best way with only one car being used.

[BertBert]

It seems an expensive way to keep an ncb. As ncb "lasts" for two years, you could alternate who insures it every year and keep both ncbs going that way.

[guitarcarfanatic]

The majority of major policies will have T&C's baked in to prevent this. I know DLG definitely do or did (because it's a ball-ache in an accident!).

[the tribester]

How do the sums work out for Premium cost V NCD discount on future policy?

[Ziplobb]

I found this impossible earlier on in the year when trying to arrange two policies for each child on one car

[RogueTrooper]

guitarcarfanatic said:

The majority of major policies will have T&C's baked in to prevent this.

Every time I renew I am asked "will you be the main driver of the car?"

[98elise]

There is nothing illegal about it (as long as you don intend to claim on both). You might find it difficult to get an insurer to do it in your circumstances though.

I've insured my son to drive my car on his own separate learner policy in the past. It was a condition of his insurance that there was another policy in place on the car.

[stemll]

Problem I see is that you would both have separate policies with both of them saying that the policyholder is the main driver. One of you isn't the main driver

[KTMsm]

You can't insure something you don't own

My sister wanted to run around in one of my cars for a few weeks and she couldn't get insurance on the above basis

[stemll]

KTMsm said:

You can't insure something you don't own

My sister wanted to run around in one of my cars for a few weeks and she couldn't get insurance on the above basis

Yes you can. Everyone who's insuring a car on a PCP or a lease is insuring something they don't own.

[KTMsm]

stemll said:

KTMsm said:

You can't insure something you don't own

My sister wanted to run around in one of my cars for a few weeks and she couldn't get insurance on the above basis

Yes you can. Everyone who's insuring a car on a PCP or a lease is insuring something they don't own.

So I could insure your car and get paid out if something happened to it - I don't think so

[Sheepshanks]

Super_GP said:

I have my car and my ncb as main driver.
My husband to be would like to continue building his ncb on mine. Can he insure himself with a different insurance company as a main driver although he is not the legal owner?

I am guessing this is illegal right?!

Get him to do quote comparisons between full NCB and no NCB. Typically there's little difference.

What bumps up premiums is when NCB is lost dur to accidents - it's a double whammy as the accident bumps up the base premium.

[InitialDave]

BertBert said:

It seems an expensive way to keep an ncb. As ncb "lasts" for two years, you could alternate who insures it every year and keep both ncbs going that way.

This is probably the best answer.

[stemll]

KTMsm said:

stemll said:

KTMsm said:

You can't insure something you don't own

My sister wanted to run around in one of my cars for a few weeks and she couldn't get insurance on the above basis

Yes you can. Everyone who's insuring a car on a PCP or a lease is insuring something they don't own.

So I could insure your car and get paid out if something happened to it - I don't think so

Yes. One example is temporary cover (e.g. Veygo.com or Tempcover.com both of which are for the exact position your sister was in) but there is no requirement for you to own it for an annual policy either so long as you tell the insurer who owns it. Not all insurers will do it but it is incorrect to say that you cannot insure something you do not own.

[98elise]

KTMsm said:

stemll said:

KTMsm said:

You can't insure something you don't own

My sister wanted to run around in one of my cars for a few weeks and she couldn't get insurance on the above basis

Yes you can. Everyone who's insuring a car on a PCP or a lease is insuring something they don't own.

So I could insure your car and get paid out if something happened to it - I don't think so

You can definitely insure a car you don't own. My partner had insurance on a car I owned. The insurance simply had her as the main driver but said she was neither the owner or keeper. It was Direct Line so not a specialist company.

[Aretnap]

KTMsm said:

stemll said:

KTMsm said:

You can't insure something you don't own

My sister wanted to run around in one of my cars for a few weeks and she couldn't get insurance on the above basis

Yes you can. Everyone who's insuring a car on a PCP or a lease is insuring something they don't own.

So I could insure your car and get paid out if something happened to it - I don't think so

You need to have an "insurable interest" in the thing you're insuring. Which means that you stand to lose something if something happens to it.

So no, if you think I'm a bad driver you can't just insure my car, cross your fingers and hope to collect some money if I crash it.

However if you borrow my car and drive it then you do have an insurable interest in it. Because if you drive it into a wall I'm going to expect you to pay for the damage you did to it. So you can insure it in those circumstances - because you do stand to lose something if something happens to it.

Whether a particular insurer would be willing to offer cover in those particular circumstances is a different question. Your sister might not have been trying the right companies. There are certainly plenty of companies who will offer short term car insurance " for your own car or someone else's" for whom that situation is bread and butter business.

[Aretnap]

BertBert said:

It seems an expensive way to keep an ncb. As ncb "lasts" for two years, you could alternate who insures it every year and keep both ncbs going that way.

This is almost certainly the cheapest and simplest solution.

[Gooly]

It is not inherently illegal, however most major insurers have Ts and Cs stating that the vehicle cannot be insured elsewhere. If you breach the Ts and Cs of your policy, your insurer can argue that your policy is invalid and you are therefore not insured, and driving without a valid insurance policy is of course illegal. So whilst its not inherently illegal, in most cases it does end up being illegal.