Forum Topic

car insurance , same car  multiple policies

Can a car be insured by 2 people at the same time , at different addresses  (not even same town) each with their own policy specifics ?Ie Car is registered to person A but when he has use of the car for weeks at a time its stored overnight on a drive in town TPerson B then wants use of the car for a few weeks at a time and will be stored on street overnight in City C etc.  This would go on for say 4 months until person B found their own car etc. Only asking because short term insurance companies do exist and have been looked at but the value for money over this 4 month period is looking very poor. vs Person B could just cancel their poilcy after 4 months once they were sorted and person A would carry on with full use of car.

Andrew Craig ● 2167d4 Comments

If there is no insurable interest - i.e. you don't own it then no, you can't.

Carl Wynne ● 2167d

In the old days, who ever owns the car, took out an any driver policy.It’s expensive as the insurance company doesn’t know who will be driving.They normal add exceptions to the policy, such as The driver must be over 25, have no convictions or points on their licence, and not been refused insurance in the past.Some times they even want the driver to be driving for so many years as well. I had a van insured that way years ago so anyone could borrow it.But I don’t know if that can be done today.

Bernard Allen ● 2167d

If driver A owns the car and has the policy in his name, he can have driver B on the policy as a named driver - if driver B is the main driver, then you need to advise the insurers. If the car is kept away from its registered home address for a period of time (I think a month or more, but you would have to check with the insurers) then the new address has to be notified to the insurers, including whether it is parked on a drive, at the kerb etc. If driver A is driving a different car at the same time, then a multicar policy would probably be your best bet. Give Admiral (for instance) a ring and explain the precise circumstances to them and see what they say.

Richard Greenhough ● 2167d

Thanks Richard. You have grasped the idea in the first paragraph and I think I should explore that solution first. Person B would then be named and a main driver at another address with car stored on street. Yes person A has a main car also but is half way through a 12 month policy and unless the existing insurer does multicar in your suggested way, it's probably not worth the change of insurer.thanks

Andrew Craig ● 2166d