Cancelling car insurance - they want £40

[Deleted User]

Iceweasel wrote: »

You can't have 2 different people insuring the same car.

Yes you can.

If you couldn't, then how could you insure a new car, while it's still covered by the dealer supplied "Drive Away Insurance"?

Also, if you buy a car privately, it will remain on the sellers insurance, for a period of time, after you have driven it away on your insurance.

A third situation of dual insurance, is where you hire a car, but have DOC on your own policy.

Captaincodpiece

Bedsit_Bob wrote: »

Yes you can.

If you couldn't, then how could you insure a new car, while it's still covered by the dealer supplied "Drive Away Insurance"?

Also, if you buy a car privately, it will remain on the sellers insurance, for a period of time, after you have driven it away on your insurance.

A third situation of duel insurance, is where you hire a car, but have DOC on your own policy.

So you add a hire car onto your policy do you?

Most have an exclusion about hire cars.

[Deleted User]

Captaincodpiece wrote: »

So you add a hire car onto your policy do you?

No. Under a DOC extension, any vehicle you drive (except those covered by the exclusions - see below), is automatically covered to TP.

Although there is nothing to stop you adding a hire car to your own insurance.

It can save you a lot of money, especially if you are hiring for a long time.

Most have an exclusion about hire cars.

Actually, they don't.

The exclusion applies to cars "hired to the Policyholder under a hire purchase agreement."

Captaincodpiece

Bedsit_Bob wrote: »

No. Under a DOC extension, any vehicle you drive (except those covered by the exclusions - see below), is automatically covered to TP.

Although there is nothing to stop you adding a hire car to your own insurance.

It can save you a lot of money, especially if you are hiring for a long time.



Actually, they don't.

The exclusion applies to cars "hired to the Policyholder under a hire purchase agreement."

Your policy won't pay out if the car is insured in its own right.

[Deleted User]

The point is, contrary to what has been said, the vehicle will be covered on 2 policies.

iolanthe07

A third situation of duel insurance,

I think you may mean dual insurance, unless you are looking for a fight!

sh0597

I sympathise with the OP, to not give a refund for a year's insurance when you are only using 10 months is one thing, demanding more money when you are putting the insurer in a better position is annoying.


Only way of avoiding it appears to be to keep the car and insure the new one, then move the no claims over in 2 months. It wouldn't be the cheapest option most likely, but would avoid paying out to the initial insurer.