Can 2 people hold seperate policies for the same car ?

corelli_2

I have been looking at the Collingwood Learner Driver Insurance too..but am a bit confused. It seems to offer insurance for learner drivers only but when I discussed it with my current insurers (I am the vehicle owner but trying to insure my son) they told me that a car can't be insured twice. However Collingwood site states 'If you are not the registered keeper/vehicle owner then the policy only covers the vehicle whilst you are undergoing driving tuition, therefore, the vehicle owner should have the vehicle insured elsewhere.' I would be grateful for any advice!

bouncydog1

The Collingwood policy operates in place of your own policy whilst the vehicle is being driven by the learner driver. As this is the case, any claim that occurs whilst the learner is driving falls under the Collingwood policy.

This means that you could have driving restricted on your vehicle to just you (which would mean your child would be uninsured under your policy if they drove your car).

You need to note, however, that the Collingwood policy is no longer valid as soon as the learner passes their test, so you should weigh up the cost of adding your child to your policy (if you are prepared to take the risk) v the separate Collingwood policy with the restrictions on passing test, as once your child has passed their test you will still need to buy insurance to include them to drive your vehicle (unless you buy them their own;)).

mikey72

My daughter's mate (17, just passed) just wrote off her sisters car, as a named driver on her sisters insurance.
So now that's one claim each to declare, and one accident to report and no NCD,
Neither may be able to afford to drive for a few years.
Not worth insuring siblings.

corelli_2

Thanks for your reply Bouncydog-a bit clearer now! I have found a similar one with Provisional Marmalade which allows him to take out a policy for one month for around £90 so think I will go with that. He will be going back to university after that so won't be driving my car.

Lirin

Only one insurance policy can be held on a car- this is for fraud reasons.

dacouch

Lirin wrote: »

Only one insurance policy can be held on a car- this is for fraud reasons.

That is not correct.

bouncydog1

corelli wrote: »

Thanks for your reply Bouncydog-a bit clearer now! I have found a similar one with Provisional Marmalade which allows him to take out a policy for one month for around £90 so think I will go with that. He will be going back to university after that so won't be driving my car.

I did look at this option for my daughter but in the end a great little car was available so we bit the bullet and got her that, and insured it in her own name. Luckily our existing insurers were great and gave us a good deal so once your son passes his test you could try this route if you were able. (You also have the peace of mind knowing that the youngsters are driving something around that is small with a low capacity engine instead of your pride and joy)!

Others on here have also suggested that a pass plus may help to keep the cost down - also if your son is at Uni then his age is going to increase slightly before you need to put him on your insurance or buy his own so this might help keep the cost down as well.

mikey72

corelli wrote: »

Thanks for your reply Bouncydog-a bit clearer now! I have found a similar one with Provisional Marmalade which allows him to take out a policy for one month for around £90 so think I will go with that. He will be going back to university after that so won't be driving my car.

Get a quote form collingwoodannual, they were cheaper for us.