Can more than one person insure the same car?

supersaverkerry

I have just got my provisional and my friend is going to let mme use her car to learn - she used to e a driving instructor so I hope to get in extra hours with her as well as having normal lessons.

Her insurance company have quoted to add me to her insurance, but when I did a price check online I could get insurance for a huge amount less if I insured the car in my own right.

The question is, am I allowed to do that? she is happy for me to do it if it is allowed as the saving is very substantial, but are 2 people allowed to have insurance on one car?

forgotmyname

Some policies do cover you to drive another car as a provisional licence holder but cover will lapse the minute you pass your test.

Will you want cover afterwards?

Also she may need to speak to her insurer as mine would refuse cover if the car was used to teach someone to drive.

But my policy is for a modified performance car so that maybe the issue.
My company wont cover learner or new drivers until they have experience driving performance cars for at least 1 year without a claim or points.

I guess there are pitfalls for the original insurer. So check they allow it 1st.

thenudeone

Yes yes yes. Two people can both insure the same car. Lots of people say you can't but you can.

If you couldn't then this:

Arrange cover for a test drive, sharing a long drive with a friend, or borrowing a relative's vehicle for a weekend: get a short term insurance quote now

from http://www.aviva.co.uk/short-term-car-insurance/

and this

Taking out learner driver car insurance means that a learner driver can have cheap driving practice daily and conveniently. The learner driver gets to practice with someone they know and feel relaxed with and they are safe in the knowledge that should they have an accident, the owner's car insurance will not be affected and the owner's No Claim Bonus will remain intact.

from http://www.provisionalmarmalade.co.uk/

and many other insurance policies, would be illegal.

BUT: both certificates should be kept in the car, because the police database can only record full details of one policy at a time.

forgotmyname

yes, yes, yes....BUT NO... My company would cancel my policy if i used it to teach someone to drive.

I know i asked.

So not illegal BUT some companies may not provide cover.

vaio

nothing to stop you insuring your friends car but you might struggle to find a company that will do it if you aren't owner or registered keeper.

That will certainly take you out of the "normal" (aka cheap) sales channels which will up the price.

InsideInsurance

You may also find any non-driver based accidents (eg theft, vandalism etc) more tricky to deal with due to the dual insurance

forgotmyname

InsideInsurance wrote: »

You may also find any non-driver based accidents (eg theft, vandalism etc) more tricky to deal with due to the dual insurance

Is that why my company wont insure me if i had a learner policy on the same car?

I guess being modified the learner policy may not cover everything properly and my insurance have had issues where they have had to payout part of the claim?

Either way, Dont just assume the answer is yes.. Always contact the insurers and ask.

vaio

forgotmyname wrote: »

Is that why my company wont insure me if i had a learner policy on the same car?........

Is this something that's in your policy or something a call centre has told you?

I'm struggling to see how they can (or why they would) cancel a policy based on use they don't cover so aren't at risk

forgotmyname

Its a small broker, I queried it when taking out the policy.

I asked about putting my wife on the policy as a learner. No they dont cover inexperienced drivers or learners.

I queried about the learner policies and they said they would refuse cover if i used the car to teach someone to drive.

I didnt push it further, Only asked out of curiosity.

No idea why. As mentioned above about dual insurance both liable?

But when the learner is not in the car that policy doesnt cover it.

What if the learner was opening the door to get something out but wasnt going to drive it, Which one pays out?

I guess it could be messy. But as with a lot of insurance issues, They maybe making it up as they go along.

vaio

forgotmyname wrote: »

......They maybe making it up as they go along.

gets my vote

thenudeone

forgotmyname wrote: »

I queried about the learner policies and they said they would refuse cover if i used the car to teach someone to drive.

What they probably meant was:
1) We don't issue polices with learner drivers
and
2) If you have one of our policies and you allow a learner to drive they aren't insured and so we could cancel your policy for allowing it.

I'd find it difficult to see how a policy condition could legitimately prevent you allowing someone else to use the car as long as the driver has a licence and covered by an insurance policy of come sort.
Would they be allowed to say: We'll cancel the policy if you allow Aunt Maude to drive it even though she has cover to drive other cars under her own policy and she has a full licence? OR We'll cancel the policy if you allow garage staff to drive it even though they are covered by a trade policy and hold a licence?

forgotmyname wrote: »

As mentioned above about dual insurance both liable?

That's one for the insurers to argue between themselves.