Car insurance q

Thomas. PLease. · 4 Apr 2009 at 13:31

Hi there, i want to borrow my brothers car today, but he already has it insured. Is it still possible for me to add it to my policy as well, or are you only allowed one policy per car?

Thanks, tom.

Jeff Lynne · 4 Apr 2009 at 13:34

You have named drivers per car, you don't have two cars on your insurance, if thats what you're saying

Peerzy · 4 Apr 2009 at 13:35

Thomas. PLease. said:
Hi there, i want to borrow my brothers car today, but he already has it insured. Is it still possible for me to add it to my policy as well, or are you only allowed one policy per car?

Thanks, tom.

Why not get day cover, or add yourself to his policy for the day as a named driver?

Kitchster_uk · 4 Apr 2009 at 13:36

Thomas. PLease. said:
Hi there, i want to borrow my brothers car today, but he already has it insured. Is it still possible for me to add it to my policy as well, or are you only allowed one policy per car?

Thanks, tom.

You could use Day Insure, be at least as cheap as putting it on your insurance. I did this with my wife after she started driving again, no problem. If you do kill it, you could only claim on one policy though iirc.

Thomas. PLease. · 4 Apr 2009 at 13:39

Well what i mean is, he is covered by his own policy. I don't really want to add myself to that because it will cost them money.

I have my own policy, with a more expensive to insure car, so price will decrease when i change his car on to my own policy, so is it allowed to have it insured on my policy as well as his own.

Don't really want day cover as its like 30 quid a day and i could just add it to my current policy if its allowed?

Thanks tom.

Peerzy · 4 Apr 2009 at 13:43

I didn't think a car could be insured twice, as fully comp covers the car if it's stolen and then who would pay out? Both insurers?

Get him to add you to his policy and give him the pennies, do you have DOC and just drive it 3rd party?

Thomas. PLease. · 4 Apr 2009 at 13:49

no I don't have DOC, although i spose i could just add it to my policy

West · 4 Apr 2009 at 14:25

Thomas. PLease. said:
no I don't have DOC, although i spose i could just add it to my policy

That will probably be cheaper.. failing that day insure.

Muffin` · 4 Apr 2009 at 14:29

Thomas. PLease. said:
no I don't have DOC, although i spose i could just add it to my policy

Yeah good luck with that.

Your only way round this is to get on his policy as you're too young for day insure.

Thomas. PLease. · 4 Apr 2009 at 14:30

no you can get day cover at 21, and bell will let me add doc for 30 pounds. sorted.

Muffin` · 4 Apr 2009 at 14:36

I blame my post code

Thomas. PLease. · 4 Apr 2009 at 14:38

Yeh, i am lucky to live in the safest post code area
.

Peerzy · 4 Apr 2009 at 15:01

DOC for £30 is well worth it, useful to have incase the other half has 18 too many.

Thomas. PLease. · 5 Apr 2009 at 13:24

Damn it, bell have changed DOC to only being available for over 25's. Bit annoying as I had it on my old NFU insurance when i was 17. Will just add myself to his policy now, seems simplest.

West · 5 Apr 2009 at 13:27

Thomas. PLease. said:
Damn it, bell have changed DOC to only being available for over 25's. Bit annoying as I had it on my old NFU insurance when i was 17. Will just add myself to his policy now, seems simplest.

Wierd. I was allowed to spec it up on my Policy when I did a quote with them a few months ago. I'm only 20.

Thomas. PLease. · 5 Apr 2009 at 13:33

Yeah, i just looked and I can add it when getting a quote, but when i just phoned up I was told i had to be 25, might phone them again, as it would be usefull to have again if I can.

Trifid · 5 Apr 2009 at 13:33

Thomas. PLease. said:
Damn it, bell have changed DOC to only being available for over 25's. Bit annoying as I had it on my old NFU insurance when i was 17. Will just add myself to his policy now, seems simplest.

On a Bell quote I have atm:
Drive other car (third party only)
£39.96

Unless they remove the option when you go to pay for it? (18yo)

OllyM · 5 Apr 2009 at 14:11

I've literally just taken out a Bell policy with DOC and I'm 20 - insurance certificate states it etc. so you must have been speaking to somebody who doesn't know what they're talking about.

Thomas. PLease. · 5 Apr 2009 at 14:13

Just spoke to them again, and you can only take it out on a new policy, or on renewal, but you cannot add it during the life of your policy, which is bloody useless.