Few questions about Day Insure

saitrix · 22 Sep 2006 at 16:31

Hi,

Are you able to use day insure on a car already with a fully comp cover on it (abeit for someone else)? Also in the event of a crash, would it affect the NCB of the driver on the full year fully comp policy.

In other words my brother is wanting to use my car for a day to get to an interview. If he crashed would it negatively affect me in any way?

Rich1988 · 22 Sep 2006 at 16:32

yea it would negatively affect you, you wouldnt have a car

saitrix · 22 Sep 2006 at 16:34

Rich1988 said:
yea it would negatively affect you, you wouldnt have a car

That might not negatively affect me so much, but anyways I'm digressing.

Amleto · 22 Sep 2006 at 16:45

saitrix said:
Hi,

Are you able to use day insure on a car already with a fully comp cover on it (abeit for someone else)?

No, I dont believe that you can. There is not allowed to be multiple insurance policies on one car

rs125 · 22 Sep 2006 at 18:54

Quoted from the site.. dayinsure.com provides short period motor insurance:

* For emergency usage such as
o a temporary additional driver

Personally id take it from that as yes...But its your call

PMKeates · 22 Sep 2006 at 19:04

saitrix said:
Hi,

Are you able to use day insure on a car already with a fully comp cover on it (abeit for someone else)? Also in the event of a crash, would it affect the NCB of the driver on the full year fully comp policy.

In other words my brother is wanting to use my car for a day to get to an interview. If he crashed would it negatively affect me in any way?

Yes you can insure an already insured car.

No it will not affect the NCB of the driver with the full year policy - this is because he was not driving, and the person who was driving was seperately insured.

If he crashed it would not negatively affect you, assuming he pays any excesses involved

saitrix · 22 Sep 2006 at 19:44

Useful to know! All sorted now though, he is taking my mums car.

(A 206)

ste_bla · 22 Sep 2006 at 22:36

Amleto said:
No, I dont believe that you can. There is not allowed to be multiple insurance policies on one car

Yes you can!

If the car is in a smash then the persons insurance would sort it out so if it was Day insure then the other policy wouldnt know a thing.

If it was stolen then the insurance costs would be split 50/50..

[TW]Fox · 23 Sep 2006 at 03:09

Yes, you can.

I have used it multiple times in the past to drive my Dads 530d. The good thing about Dayinsure is that if you crash and the car is written off, the owner gets the payout not you.