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  • FIRST POST
    • jwad
    • By jwad 19th Mar 17, 12:02 PM
    • 7Posts
    • 0Thanks
    jwad
    Car Insurance - is this legal?
    • #1
    • 19th Mar 17, 12:02 PM
    Car Insurance - is this legal? 19th Mar 17 at 12:02 PM
    This matter is a bit complex. I have recently applied for a lease car through my employer which will include everything from insurance to service. I don't have a date yet as to when I am getting it, possibly end of April.

    My current car is due an insurance renewal this week and I need business insurance as I use it for work. I am going to be giving my current car to my partner, who has only a provisional licence and has gained a quote for me to be a named driver on the policy. They have said I cannot be insured for business as a named driver.

    I am now wondering if I should continue with my current insurance and cancel when I receive my lease car. In the meantime can my partner take out separate insurance and have me as a named driver? Is it legal to have two separate policies? This will be only for a duration of two months.

    Any advice would be very much appreciated!
Page 1
    • neilmcl
    • By neilmcl 19th Mar 17, 12:12 PM
    • 9,217 Posts
    • 6,229 Thanks
    neilmcl
    • #2
    • 19th Mar 17, 12:12 PM
    • #2
    • 19th Mar 17, 12:12 PM
    I don't see why you don't keep your insurance going until you get the new car with your partner as a named driver. Why would she need to take out insurance on the car as well in the meantime?
    • rs65
    • By rs65 19th Mar 17, 12:12 PM
    • 5,023 Posts
    • 2,386 Thanks
    rs65
    • #3
    • 19th Mar 17, 12:12 PM
    • #3
    • 19th Mar 17, 12:12 PM
    Is it legal to have two separate policies?
    Originally posted by jwad
    Yes.

    Why not just continue your existing policy?
    • bengalknights
    • By bengalknights 19th Mar 17, 12:20 PM
    • 3,807 Posts
    • 1,375 Thanks
    bengalknights
    • #4
    • 19th Mar 17, 12:20 PM
    • #4
    • 19th Mar 17, 12:20 PM
    You can have as many policys as you want, however this may result in a dispute between insurers as to who is actually liable.
    • chrisw
    • By chrisw 19th Mar 17, 2:14 PM
    • 1,498 Posts
    • 791 Thanks
    chrisw
    • #5
    • 19th Mar 17, 2:14 PM
    • #5
    • 19th Mar 17, 2:14 PM
    I was in the same situation but just kept the policy in my name with my wife as named driver. I just let the insurance company know that she is the main driver.

    It also has the advantage that it's kept my no claim bonus alive in case I ever leave the company scheme and that my wife will be a bit older and more experienced if she eventually needs her own insurance.

    It's actually with Direct Line which allows a named driver to build up a no claims bonus so she could always take out a policy with them for a year and then move with the accrued bonus.
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