2 car insurance policies on 1 car

rs65

cycloneuk wrote: »

What is the likely hood of my insurance company invalidating any claim when I'm not working? since i use my car to carry out parcel deliveries.

I would say the likelihood is very high.

cycloneuk

rs65 wrote: »

The Co-op do ask for occupation.

Not when you do it online they don't.

thenudeone

rs65 wrote: »

I would say the likelihood is very high.

Why would an insure refuse a legitimate claim because another policy exists which covers a different liability?

I have never seen such an exclusion before.

I have seen clauses which allow them to split liabilities where another policy covering the incident applies (although this seems unlikely unless the policyholder has accidentally got 2 policies at the same time). An example is shown here http://www.lv.com/upload/lv-rebrand-2009/pdfs/insurance/car/21121973_lv-motor-doi.pdf (section 13, subsection 5, page 25)
What is clearly DOESN'T SAY is that the policy is void or the claim will be rejected if any other policy is in place. Such an exclusion (if it existed) might be unenforceable, since you've paid for the cover and declared all material facts.

If you know of such an exclusion, please give us a link.

There is absolutely nothing in law to stop 2 separate policies existing on one vehicle.

I know of one large pizza chain who have a specialist fleet policy which covers any of their employees driving their own cars but only when driving to and from a pizza delivery.

This is because it would be very difficult or expensive for the drivers to get the required level of cover for business use (fast food delivery) on their own vehicles, and even if they did it would be cumbersome for the Pizza company to check; yet if they didn't have that cover, the Pizza firm would be committing an offence (use or cause to be used, a vehicle without insurance)

In this case their is absolutely no overlap of liabilities. When the driver is working, his own insurance doesn't cover him but the Pizza company's does; and vice versa.

The OP sounds like he's in a very similar position.

Even if two people jointly own a car (YES - it is possible), each can have an insurance policy which only covers them to drive it; as long as they have answered any insurer's questions honestly there is no problem.

rs65

thenudeone wrote: »

If you know of such an exclusion, please give us a link.

I don't recall seeing it on motor - shared loss/liability yes, but an exclusion - no.

I'm more concerned about the OP not having to declare their occupation since page 2 of the quote process asks for employment status, occupation and employers business.

I don't think they would/could refuse a legitimate claim because another policy exists which covers a different liability. The difficulty would be convincing each insurer which policy is to apply to an incident. The OP would obviously want their own to apply as it is comp.

cycloneuk

rs65 wrote: »

I'm more concerned about the OP not having to declare their occupation since page 2 of the quote process asks for employment status, occupation and employers business.

No where during the quote process here https://motor.co-operativeinsurance.co.uk/gidirect.motor/start.do does it ask for occupation.

When i took out the policy online i phoned up to double check, they can enter an occupation manually but it made no difference to the premiums, it looks like they don't take your occupation into consideration unless it is one of the excluded ones listed in the assumptions bit.

rs65

Ah, thats good. They have another quote system that does ask for occupation.

Will they accept the other policy being in place?

cycloneuk

rs65 wrote: »

Ah, thats good. They have another quote system that does ask for occupation.

Will they accept the other policy being in place?

You must of clicked on the young driver quote system which does ask for occupation.

The adviser i spoke to seems to think not, but no where does it say that i need to inform them of any other policy.