Can you have 2 insurance policies on the same car?

StueyA

Hi there.
I recently decided to get a second job as a fast food delivery driver. However I do not have the appropriate insurance to do so on my car and my insurance provided does not provide the business insurance required. However I could afford to get the required business insurance with a second insurance provided to deliver food with a 3rd party fire or theft policy. However I have already paid my annual fully comp insurance with break down cover and would loose the breakdown cover and incur cancellation fees. I was wondering about the legality and practicality of having two insurance policies on the one car. One fully comp policy for social driving and the second 3rd party policy for fast food delivery. It appears that the 2nd policy would be around £100 a month and I believe I could realistically earn £400 a month delivering food. Any help please....

prowla

I believe that you cannot.


The only scheme I know of was one where a company would do top-up insurance for a learner driver.

keith1950

Even if you could take out a second third party insurance to cover fast food deliveries you would have to inform your main insurer that you have a part time job doing food delivery ....no doubt there would be an admin charge and greatly increased cost because of that !

unforeseen

keith1950 wrote: »

Even if you could take out a second third party insurance to cover fast food deliveries you would have to inform your main insurer that you have a part time job doing food delivery ....no doubt there would be an admin charge and greatly increased cost because of that !

And they would probably cancel your insurance as they don't cover it since there would still be an element of third party cover that they would be liable for.

forgotmyname

What happened to delivering on a moped i wonder?

Gers

I got business use added to my insurance years ago (and commuting) free of charge.

agrinnall

Gers wrote: »

I got business use added to my insurance years ago (and commuting) free of charge.

And so do I, but not for this sort of business. The OP will need either class 3 business cover or more likely commercial car insurance.


https://www.moneysupermarket.com/car-insurance/business-cars/