Am i able to have for example
1 policy for me
1 policy for my son
with different insurance companies
2007-12-21 11:58:43 · 8 answers · asked by nickcarswell1 1 in Cars & Transportation ➔ Insurance & Registration
There can only be ONE insurance policy per car. The car can be owned by you (ie in your name) but insured by someone else. Otherwise they could be several claims for one accident (if the car were insured by two users). There needs to be one insurance with a main driver (and this could include a named driver as well). It does not matter who owns the car.
Edit: For example, I could have bought a car and be unable to drive, I may well have bought it for my partner to drive me around or my daughter to have driven me around - I own the car but it is insured in the name of the person who will be driving it.
2007-12-21 20:21:54 · answer #1 · answered by Anonymous · 0⤊ 0⤋
No - becasue it is the owner of the car that should insure it.
It will be a lot cheaper for you to insure the car and add your son onto the policy (if your current insurance company won't let you do it ask a broker for free advice and a quote) as you can use your no claims bonus. Your son won't have any no claims bonus he can use.
MAke sure that, should you qualify, you take out a policy with a protected bonus though.
2007-12-24 05:47:31 · answer #2 · answered by welcome news 6 · 0⤊ 0⤋
Wilfred is effectively right. Of course two independent people could hold policies to drive the same car, but in the event of a claim one of the questions asked is "Is there any other insurance policy in place....". You would trigger an investigation into possible insurance fraud, and any payout would be delayed while the insurers worked out who was going to pay, and how much
2007-12-22 04:10:23 · answer #3 · answered by The original Peter G 7 · 1⤊ 0⤋
I don't think so because one of the questions would be, who owns the vehicle? If a claim was ever made, which insurance company would you claim from? An insurance broker or insurance company will give you the answer you need, I just don't think that they will allow it.
2007-12-21 20:08:06 · answer #4 · answered by Tango 7 · 1⤊ 0⤋
YOU can only insure the car once the insurance companies have a joint database for claims to prevent fraud and multiple claims so if you insured it twice you would invalidate both insurance policies and it would have cost you twice as much as having one policy for both. just remember databases are infallible and cannot be fooled
2007-12-21 20:10:50 · answer #5 · answered by Anonymous · 4⤊ 1⤋
No need. 1 policy should do it. Just add your son as an authorized driver [but I wouldn't recommend it]
2007-12-21 20:01:33 · answer #6 · answered by Anonymous · 2⤊ 0⤋
Insurance goes with vehicles, not with drivers. Only one is needed. You could pay for as many as you want, but only one would pay, you couldn't collect from all of them.
2007-12-21 20:05:49 · answer #7 · answered by oklatom 7 · 1⤊ 5⤋
no just the one
2007-12-22 08:56:29 · answer #8 · answered by Anonymous · 0⤊ 1⤋