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Car Insurance - 2 polices on 1 car (temporarliy)
Jeff-Ray
Posts: 6 Forumite
I hope someone here can help me out.
My car is currently insured by the Post Office but expires at the end of July. However, I was hoping to lend the car to my brother for the last 16 days of the policy.
I rang the PO to add him as a named driver but was told that because it was so late into the policy he could not be added, which seems odd to me. I did pay up front so I don't know if that's got anything to do with it.
If I cancel the policy and take a new one with my brother added, it means that I will loose the last years NCD, all for the sake of cancelling 2 weeks and 2 days before the expiry. I thought perhaps I could take out a new policy and let the PO one run but when I suggested this they said it was against the law.
Is that correct? I can see that claiming twice would be fraudulent and not something I would do.
Any help would be appreciated.
My car is currently insured by the Post Office but expires at the end of July. However, I was hoping to lend the car to my brother for the last 16 days of the policy.
I rang the PO to add him as a named driver but was told that because it was so late into the policy he could not be added, which seems odd to me. I did pay up front so I don't know if that's got anything to do with it.
If I cancel the policy and take a new one with my brother added, it means that I will loose the last years NCD, all for the sake of cancelling 2 weeks and 2 days before the expiry. I thought perhaps I could take out a new policy and let the PO one run but when I suggested this they said it was against the law.
Is that correct? I can see that claiming twice would be fraudulent and not something I would do.
Any help would be appreciated.
0
Comments
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It's not "against the law", but pointless for you to do.
If you take out a new policy whilst the original is in force then you have nil ncd to use on the new one (you can only use NCD for one policy at a time)0 -
It's not "against the law", but pointless for you to do.
If you take out a new policy whilst the original is in force then you have nil ncd to use on the new one (you can only use NCD for one policy at a time)
Good Point, I didn't think of that. I suppose I could request the proof of no claims now but it would be 6 years not 7 as it would in a few weeks.0 -
Good Point, I didn't think of that. I suppose I could request the proof of no claims now but it would be 6 years not 7 as it would in a few weeks.
They won't give it to you unless you cancel the policy.
6 or 7 years won't make much difference (if any) to your new policy premium, so do some dummy quotes online and find out the cost of cancelling your present policy then see if cancelling now will be cost effective to get your brother covered on a new policy.0 -
You could add him as a temporary additional driver rather than a perm one, I'd be surprised if there was a "too late" response to that.
Does your brother have his own policy? If he does then he could add your car as a temporary additional vehicle to his for the period required0
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