dual policy on car

catoutthebag

Really need help

Sold my car and cancelled my insurance (insurance didn't permit driving other vehicles and would have closed after 7 days without a vehicle on policy)

My partner can't insure me on her policy due to me having a couple accidents which were non fault despite me putting in my old car as a new quote and my premium being £100-200 cheaper!)

Need a car to get to work the next 2-3 weeks before finding my own car. Public transport not an option due to remote locations

What are my options? I can't open a new policy on a car already with a policy with someone else?

Any way round it?

I have nearly 3 years no claims

Cancelling partner policy and adding me fresh would be too much and bump her premium

thenudeone

Despite urban myths saying otherwise, you can have a policy on a car which already has a policy on it. That's exactly what this sort of policy is: http://www.aviva.co.uk/short-term-car-insurance/

catoutthebag

Hmm why did the 2 insurers (mine and hers) say otherwise?

Really needs insuring from tomorrow

Is aviva best? Is there a comparison site specifically for it?

Thanks

catoutthebag

thenudeone wrote: »

Despite urban myths saying otherwise, you can have a policy on a car which already has a policy on it. That's exactly what this sort of policy is: http://www.aviva.co.uk/short-term-car-insurance/

That link for 'get a quote' doesn't work. dns server fail

catoutthebag

£150 for 21 days sound accurate ?

forgotmyname

Short term policies are quite expensive.

catoutthebag

Hmm partner cancelling her policy with cancellation fee and starting fresh annual policy is £150 more than her on her own

Me taking out a 21 day policy on my own and finding a car in 2 or 3 weekends is £150

I got a £100 refund for the remainder of my policy when I cancelled today

thenudeone

catoutthebag wrote: »

Hmm why did the 2 insurers (mine and hers) say otherwise?

a) most likely the call centre staff don't know what they are talking about

and

b) even though they CAN offer such a policy, they choose not to insure vehicles which have another policy on them, and the call centre operator may assume that every insurer has the same rules [see a) above]. It's a commercial decision - they can't be forced to offer cover under certain circumstances, just because the law allows them to.

phillw

catoutthebag wrote: »

My partner can't insure me on her policy due to me having a couple accidents which were non fault despite me putting in my old car as a new quote and my premium being £100-200 cheaper!)

What insurance company and did you to speak to a manager? Two non fault accidents seems harsh to refuse to add you. Lots of non fault accidents does indicate a higher risk, but they can balance that with charging you a higher premium and they'd be making on the admin fee as well. Even if they ended up charging you the same (or more) as cancelling and starting a new policy.

Something doesn't quite fit.

catoutthebag

One sp30 with 3pts 12 months ago
The 2 recent were non fault and last of which was over a year ago and they didn't affect my ncd
Had 2 fault 3-4 years ago when I first got a car

3 years ncd in august
and my premium is 20-30% lower thus year
So yes was harsh

No didn't speak to a manager but what sounded like a youth

Cancelling her policy is £35 and adding me goes up from 220 to 340 or something like that

So I pay her 150 ish just so I can drive to work and sports for a few weeks til I find a car

Quentin

A lot of companies want 5 years history. So your earlier fault claims plus the recent no fault claims may be your stumbling blocks

When you are added as a named driver any ncd you have is irrelevant and they don't allow any reduction no matter how many years you have done