📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

dual policy on car

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
«1

Comments

  • thenudeone
    thenudeone Posts: 4,462 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    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/
    We need the earth for food, water, and shelter.
    The earth needs us for nothing.
    The earth does not belong to us.
    We belong to the Earth
  • catoutthebag
    catoutthebag Posts: 2,216 Forumite
    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
    catoutthebag Posts: 2,216 Forumite
    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
    catoutthebag Posts: 2,216 Forumite
    £150 for 21 days sound accurate ?
  • forgotmyname
    forgotmyname Posts: 32,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Short term policies are quite expensive.
    Censorship Reigns Supreme in Troll City...

  • catoutthebag
    catoutthebag Posts: 2,216 Forumite
    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
    thenudeone Posts: 4,462 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    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.
    We need the earth for food, water, and shelter.
    The earth needs us for nothing.
    The earth does not belong to us.
    We belong to the Earth
  • phillw
    phillw Posts: 5,656 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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
    catoutthebag Posts: 2,216 Forumite
    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
    Quentin Posts: 40,405 Forumite
    edited 28 May 2014 at 7:48PM
    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
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.4K Banking & Borrowing
  • 252.9K Reduce Debt & Boost Income
  • 453.3K Spending & Discounts
  • 243.4K Work, Benefits & Business
  • 598K Mortgages, Homes & Bills
  • 176.6K Life & Family
  • 256.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.