Insurance Question

[Aspecto]

Hi,

Im gettin really confused about my insurance partly because my dad keeps telling me its wrong and now im worried my insurance isnt right. basically we have 1 car in the house but we both have seperate policies on that car. This is because my dads company wouldnt put my on his insurance when i first passed. They offered us £5000 or something equally ridiculous for just being a named driver and then i got a quote for £950 fully comp which i couldnt refuse really.
My dad seems to think that we cant do this and that we can only have one policy for the car. My dad bought the car but i am the main driver as he never uses the car as he has a van which he uses which he is a named driver on, on my grandads insurance.
So can we both have seperate policies or does my dad have to be a named driver on my insurance?

Thanks

 

[pinkaardvark]

Your dad is right, it is illegal for two parties two insure the same vehicle. Something to do with preventing people insuring things multiple times so the payout is massively increaed.

 

[[TW]Fox]

Your dad is right, it is illegal for two parties two insure the same vehicle

IIRC it's not illegal, just against the conditions of virtually every insurer.

 

[Aspecto]

thanks, ill get my dad on mine today then.