Insuring a Car Twice.

Stinky

Stinky

Stinky

Soldato
Joined
28 Mar 2005
Posts
9,250
I am borrowing a car this weekend to take to london.

Can i insure it on my policy? it is currently insured else where.

just wondered if it is possible to add it as a second car to my golf policy
 
AFAIK no.

I had a 7 day free insurance when i picked my new car up.

I was told i had to cancel this before i could use my own insurance.

Andy
 
Please key in your 12 digit policy number followed by the hash key.

Or press 1 to be connected to an operator.

Or **** off and ring your insurance company yourself. :p
 
You can't have two policies covering the same car. Only the registered owner of a vehicle should effect insurance on it (with a few exceptions, not applicable in this case).

You need to get yourself added to the existing policy covering the car.
 
Royal Fleet said:
You can't have two policies covering the same car. Only the registered owner of a vehicle should effect insurance on it (with a few exceptions, not applicable in this case).

You need to get yourself added to the existing policy covering the car.
Click to expand...


thanks for that :)
 
I still don't understand this.

When I wanted to insure another car (as a second car) on my policy, Elephant would only do so if it already had an existing insurance policy.
 
It is called dual insurance and is not allowed. As said previously you would need to be added to the policy that the car is currently being insured under.
 
Whenever I've had a courtesy car from Honda they've always insisted on a note from my insurance company to state that they would cover the car, now surely Honda themselves would have had cover on the car too, so in effect 2 insurances on 1 car?
 
It's illegal to insure a car twice. Which has caused me no end of headaches in the past.

Best bet is to go on his insurance or ask him to suspend his insurance for the time you drive it and add it to yours. Some companies do support this, others don't.

Good luck
 
If it was illegal then dayinsure.com would be in trouble! I'd guess most of the cars people get insured on from that site already are covered by someone elses policy. Only time me or my friends have used it is when driving each others cars on long journeys.
 
merlin said:
No it isn't illegal.

Undesirable yes, actively discouraged yes, problematic in the event of a claim covered by two policies yes, but it is not illegal.
Click to expand...

I've been told by two firms it was made illegal to help reduce fraudulent insurance claims and to be particularly careful to ensure the seller of a new car has canceled their insurance before mine starts. But I can't find any evidence to back this up. I'm sure it's one of those things that is illegal like having any alcohol in your blood when driving. But only used in supportive evidence of a case as opposed to something you can be prosecuted for on it's own. EDIT: (Unless over the limit obviously)

If you could find some proof it isn't that would be good.
 
Dayinsure operate on what is called a Difference in Conditions/Difference in Limits basis (DIC/DIL). Their policy basically has a clause in it which says that is there is another policy on a car, which would pay out for a loss, then their policy would not. Therefore there is not two insurance policies covering the same car.

It also says that any losses would be paid to the registered owner of the vehicle, thus getting round the issue of insuring a car which does not belong to you.

The idea behind it is quite effective really, and would solve the OP issue, although I would still think that in most cases adding yourself to the insurance on the car would be better.

Edit - just re-reading the original post, you cannot add the car to your normal insurance, but this specialist policy would cover you should you not be able to be added.
 
Royal Fleet said:
Dayinsure operate on what is called a Difference in Conditions/Difference in Limits basis (DIC/DIL). Their policy basically has a clause in it which says that is there is another policy on a car, which would pay out for a loss, then their policy would not. Therefore there is not two insurance policies covering the same car.

It also says that any losses would be paid to the registered owner of the vehicle, thus getting round the issue of insuring a car which does not belong to you.

The idea behind it is quite effective really, and would solve the OP issue, although I would still think that in most cases adding yourself to the insurance on the car would be better.

Edit - just re-reading the original post, you cannot add the car to your normal insurance, but this specialist policy would cover you should you not be able to be added.
Click to expand...


i managed to add my other golf to my policy for a month a while ago :0
 
You must log in or register to reply here.
Back
Top Bottom