if i own a car and insure it with company fully comp ect ...can my daughter insure it with another?

Question

can she insure it in her own right so she can build up her no claims or can a car only be insured once with her as a named driver on my policy

Answer 1

NO! insurance companies pool information and only allow one policy per car. If you do manage to get separate cover it will soon be cancelled and neither will ever pay up in the event of a claim.

Answer 2

Unfortunately no you can't, as people have said you can't have 2 insurance policies on the same vehicle :( There are many companies who will now let the named driver build up no claims bonus as well as the main driver :) Why not have a nose around on a comparison site like moneysupermarket :) I've used them alot, you can get quotes and then look at the features offered on the policies that come out at a good price :O)

Answer 3

No.

You can not have two policies on the car. Your policy has language in it that says if another policy is put on the vehicle your policy is void.

Also - an insurance policy is not like a credit card where you build up your credit history. Having the car insured so she can build up a history of "no claims" - does not exist in the insurance would and is a waste of money. It just does not work that way. Talk to your agent about it - they will confirm for you.

Answer 4

Simply NO

Think of it as a house If you had it insured twice, you'd be able to claim twice if it burnt down, more likely is the insurance company will cancel your cover if they find out you have insured your house TWICE.

In car terms when you give them vthe registration number is will show up that the car is already covered with another company.

You have no alternative than to add her to your policy and sit down before you empty your wallet. There is no other way.

Sorry but thats the best answer you'll get

Answer 5

There are policies that allow drivers to be insured for certain times maybe she could approach one of those companies and get insurance for the times she is driving. The companies are trying to give cheap insurance and keep young drivers off the road at nights and offer better rates for them.

At this time of day thats the best answer I can give but thats a good question.............

Answer 6

I work for an insurance broker and get asked this question umpteen times a day!if you had a claim on this car and it was found to be insured twice the insurance company will be reluctant to pay out-more likely they wont pay out as it is illegal to have dual insurance.

Answer 7

Only once I believe, but some companies (direct line is one I think) will let named drivers build up their own no-claims as well.

Answer 8

Of course this begs the question of why you would want to pay for two policies when a single one would suffice.

Generally she could NOT take out a separate policy although who knows.. laws and company rules vary.. check with your agent and also the one that she might sign with.

But again.. ask yourself if that money couldn't be used for something better.

.

Answer 9

Of course she can.

You'll need to ring a few insurance companies and be scrupulously honest in who the owner and main driver will be but someone will offer her cover. It's unlikely to be cheap, though, and you may be better off going to Direct Line who will let her earn her own NCD if she's a named driver.

I think it's perfectly reasonable to let your children use your car without risking your own NCD and will hopefully encourage her to take care of it as she's got something to lose if she crashes it.

What you couldn't do is try to claim off both policies if the car was stolen or damaged, that's a criminal offence.

Answer 10

No you will have to arrange for her to go on the company insurance