Car insurance advice please

Marktheshark

Aretnap wrote: »

I have contents insurance which covers my personal possessions while they're outside my home, and also travel insurance which covers the same possessions while I'm on holiday. Am I going to prison?

(Clue: No)

No because they are two separate policies covering two separate events.
Any more questions ?

Quentin

Taggo wrote: »

I see, I remember on the phone when taking it out they said it wouldn't be protected for the reason I said' but the renewal here has me with 1 years ncd even though I've had a claim. Clears that up somewhat, thanks for ur reply!

So to keep that one year (which is worth having) you need to keep your current policy going till it ends.


Having the NCD to use at renewal will cover the admin cost of changing address on the current policy (assuming that your current insurer is happy to cover your new address)

Marktheshark

2 PM's in two minutes, thanks, have put the angry troll on the ignore list.

InsideInsurance

Marktheshark wrote: »

No because they are two separate policies covering two separate events.
Any more questions ?

Its the same event PP on Home covers your items for loss world wide.
Travel covers your items for loss world wide.

Hope theres enough space in those prisons as looks like a lot of us are going there :beer:

Quentin

InsideInsurance wrote: »

Its the same event PP on Home covers your items for loss world wide.
Travel covers your items for loss world wide.

Hope theres enough space in those prisons as looks like a lot of us are going there :beer:

His ignorance is understood when you see his "registered" occupation!

Aretnap

Taggo wrote: »

My question was simply could I just let a policy that's already paid in full just run it's course with no intention of claiming on it anyway accident or not. The answer would be no.

There's nothing inherently illegal about having two policies running on the same car. One of your problems though is that you don't generally get a choice about which policy to claim from - the terms and conditions will likely say that in the event of two policies covering the same risk, each insurer will only pay a share of the claim (example, page 32). You'd run into problems claiming the share from your old insurer if you hadn't informed them of your change of circumstances.

Another problem would be NCD, as above.

So for the sake of £25 (and presumably not very much additional premium for 3 weeks) I'd just transfer the policy across. It's pretty small beer compared with the other costs of moving home.

Taggo

Absolutely, every pennies a prisoner buying your first home so was trying to save how ever little I could!

InsideInsurance

Quentin wrote: »

His ignorance is understood when you see his "registered" occupation!

A little harsh when you take into account our friend comrade Martin Lewis is himself a journalist :money: :rotfl:

Quentin

InsideInsurance wrote: »

A little harsh when you take into account our friend comrade Martin Lewis is himself a journalist :money: :rotfl:

Hardly a fair comparison with the case in point!


(Who has now changed his biographical notes to hide his true "registered" occupation - makes you wonder??)

InsideInsurance

Quentin wrote: »

Hardly a fair comparison with the case in point!

I dunno... with the quality of some of the advice put on here its fairly equivalent.