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Many Insurance Policies To One Car


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#16 artscot79

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Posted 16 December 2012 - 10:11 PM

its all explained above

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#17 nigwith

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Posted 16 December 2012 - 10:43 PM

Hi SoTW -I can see nothing wrong in the arrangement you describe although I'm not sure why you don't have your Focus and Fiesta on the same policy and it makes sense to have your name added as a 'named driver' on your daughter's policy in order to enjoy the benefits of her comp policy.

In fact, so far as I am aware, there is nothing, apart from the usual underwriting considerations, to prevent you being a 'named driver' on as many policies as is necessary for you and as such the same benefits which apply to the policyholder will also apply to the named driver. It used to common practice for Motor Insurance policies to include a DoC (Driving other cars) clause which provided TP cover to the policyholder when he was driving someone else's car but I believe that this clause has now been dropped.

['Feet under the table' your comment that "If both cars are in your name on the v5 then you must be the main driver on both" is incorrect, think of the company car situation where the car is registered in the name of the Employer!]

I'm afraid that after "and you cannot drive a second vehicle that you own 3rd party on 1 insurance ...", I got lost again!

#18 johnS

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Posted 16 December 2012 - 10:55 PM

Indeed, you can be insured on your own car but should not even be a named driver on another as fully comp would cover you third party on any other car anyway.
If I came across this at the roadside I would certainly be making further enquiries.


i'm under 25 and therefore am not covered third party under my own insurance

#19 johnS

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Posted 16 December 2012 - 10:56 PM

i know what he means insurance companies accept it but if you have an accident come pay out time you may find they either dont pay out or investigate you or both its called fronting and is actually illegal i believe though the insurance companies accept it till something happens the car you are a named driver on must be on that owners insurance


It isnt fronting as I genuinely am not the main driver of the other vehicle.

#20 johnS

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Posted 16 December 2012 - 10:58 PM

I have my car with wife on policy , my wife has her car with me on her policy.different companies. Is that what your trying to say?


yes, this is it

#21 gumpy321

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Posted 16 December 2012 - 11:15 PM

yes, this is it


Of course you can do that. Perfectly legal. Some people actually add named drivers to their policy as it lowers the overall price.

#22 Mike77

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Posted 16 December 2012 - 11:27 PM


Lol, feet under the table is my ranking in here, Mike77 is my user name.

But I was refering to private policies, not company vehicles, and as such, what I stated is correct in the eyes of an insurer, look it up.

#23 FOCA

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Posted 17 December 2012 - 01:10 AM

Im so confused! What did the OP ( Original Poster - the one who started this thread) do?

#24 johnS

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Posted 17 December 2012 - 01:24 AM

Im so confused! What did the OP ( Original Poster - the one who started this thread) do?


cancelled haha

#25 nigwith

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Posted 17 December 2012 - 01:57 AM

Lol, feet under the table is my ranking in here, Mike77 is my user name.

But I was refering to private policies, not company vehicles, and as such, what I stated is correct in the eyes of an insurer, look it up.


Very sorry Mike77! You can tell I'm not an experienced poster here!

I'm still not sure whether it's correct that the registered owner or keeper of the vehicle must also be the policyholder; as far as I know there is no such stipulation.The Third Party Risks Regulations which lie at the heart of 'Compulsory Insurance', state that for any vehicle to be used on a public road, there must be minimum Road Traffic Act (usually Third Party) insurance in place.

Before I retired a few years ago, I had a company car which was registered in the name of my employer but I had an insurance policy with me named as the policyholder.

#26 Mike77

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Posted 17 December 2012 - 02:18 AM

You can own a car (your name on the logbook) but not be insured on it, and say let your wife get cover on it, but then as far as im aware 'you' couldn't then go on the policy as a named driver. They usually want the owner to be the main driver. Also on another thing mentioned on here, if someone was to have 2 cars, both in their name, Fully comp on one with someone else insured on the other, you would not be covered by the 'third party' clause, as it states for cover to be effective you may drive a vehice NOT BELONGING TO YOU, leased or hired etc etc. Top and bottom of it is to make sure everyone has the cover they think they have, as the insurers seem to be good at moving the goalposts. And if that results in a roadside stop by your friendly police officer, and he tells you that you haven't got sufficient cover, and you reply Im so sorry,Im sure I was covered, the only reply you'll get is,,,,,, ignorance is no defence in the eyes of the law.

The original post has opened a can of worms, as it was a little confusing as to what he was actually asking. I may be incorrect on a few of my points, im no expert, but I do like to know where I am with stuff like this. So always check and check again :)

#27 Stoney871

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Posted 17 December 2012 - 02:18 AM

Ah the intricacies of insurance.
Now i know why i didn't become a Traffic officer.
In situations like this i would always defer to someone who knows the twists of the system.

#28 ferretfloozy

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Posted 17 December 2012 - 06:48 AM

" I'm not sure why you don't have your Focus and Fiesta on the same policy " ... other family members also drive my fiesta as a named drivers but i dont wish for them to drive my focus.. due to higher insurance catergory/their ages it it works out cheaper this way
.
"I'm afraid that after ("and you cannot drive a second vehicle that you own 3rd party on 1 insurance ...",) I got lost again!"
.. the vehicle your loaning has to have its own insurance before you can drive it on a 3rd party agreement via your own vehicle policy and it cannot be a higher insurance catergory.. (you couldnt tax someone elses car with your insurance the car to be insured must be named on insurance certificate used for taxing) -- 2 cars = 2 policies or a multicar policy on which both vehicles will be named


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