Two policies, one vehicle?

System

SimonSays wrote: »

WOuld she be driving the car more than you under the "Other" policy you want to get?

If so and your the main driver that is fronting.

Don't get. How could I be the main driver if she were driving more than me?

I would be the policy holder and main driver under both policies.
Or are you saying that a car can have two main drivers if each drives under a different policy?

specialboy

If she is driving more than you then she needs to been on the policy as the main driver

System

specialboy wrote: »

If she is driving more than you then she needs to been on the policy as the main driver

She wouldn't be driving more than me. That's the whole point - I would continue as the main driver, she would drive occasionally.

Unless you are making the utterly novel point that "driver" does not mean physically driving, but means "having the vehicle covered by insurance".
In which case, as most cars spend about 22/24 of the day just parked, waiting to be stolen, then by definition the legal owner would invariably be the main "driver", as his is the potential loss that is being covered while the car is parked.

rs65

Clifford_Pope wrote: »

In which case, as most cars spend about 22/24 of the day just parked, waiting to be stolen, then by definition the legal owner would invariably be the main "driver", as his is the potential loss that is being covered while the car is parked.

The main driver is whoever drives it most - not who has the potential loss. Whether 'main' means most often or greater mileage is one for debate.

I think the point being raised is whether your daughter is main driver with regards to her policy.

The questions are geared towards one car one policy. Therefore there can only be one 'main driver' of the car.

vaio

Wouldn't "Main driver" have to be per policy?

So if there is more than one policy there can be more than one main driver

rs65

vaio wrote: »

Wouldn't "Main driver" have to be per policy?

So if there is more than one policy there can be more than one main driver

Don't think so. As i said, car insurance is geared towards one policy one car. I guess the question doesn't arise much.

The question is usually 'Who is the main driver'. If they asked for an idea of mileage per driver then it would probably blow a fuse.

Quentin

Clifford_Pope wrote: »

by definition the legal owner would invariably be the main "driver", as his is the potential loss that is being covered while the car is parked.

You are mistaken, and look to be seeking excuses for when you are accused of taking out a second policy where you will be fronting.

Where your definition correct, then there would be never any need to nominate the main driver.

(Your definition of the legal owner always being the main driver makes company owned cars having the company as the main driver!)

InsideInsurance

thenudeone wrote: »

In my experience, policies usually say that if any other cover is in place, only a share will be paid.

For example LV's policy states:

5. Other insurances
If any loss, damage or liability covered by this insurance is also covered by any other insurance, we’ll only pay our share.

I think you are overstating the risk of problems. Duplicate motor insurance cover occurs very very commonly without their being massive problems.
Two examples:
-Insurance often extends full cover for the use of a courtesy car provided by a garage or repairer, yet the garage or repairer will almost certainly also have insurance allowing their customers to drive.
-Every time I drive my OH's car, there is duplicate cover for third parties. I am both a named driver on that car's policy and I also have DOC cover on my own policy.

Any attempt to completely get out of paying out would be difficult to defend if legally challenged.

Do you have any case law or ombudsman rulings to support your assertion?

I'm not asserting anything, I am stating what common policywording is. For example DL:

We will not cover:
• anyone who has other insurance covering the same liability;

In practice if both policies say the same then the insurers share the losses but if one says no cover and the other doesnt exclude cover in these cases then that one insurer covers the full can

thenudeone

InsideInsurance wrote: »

In practice if both policies say the same then the insurers share the losses but if one says no cover and the other doesnt exclude cover in these cases then that one insurer covers the full can

In that case there is no problem. The claim is paid.

InsideInsurance

thenudeone wrote: »

In that case there is no problem. The claim is paid.

Correct, I never said there was a problem, just that its not as straight forward as the claim goes against the policy held by the last driver of the vehicle.