Same car, 2 different insurance policies

[Shindig]

Is it against the law to have 2 insurance policies on the same car.
One insurance policy for my GF and the other one for me, so we are both building up NCB.?

 

[MT AUDIO]

yes!

 

[Gregg]

Don't direct line offer no claim bonuses for named drivers? They seem to give good quotes on 182s too.

 

[Timmay]

^^ yes but the named driver only gets the NCB if they continue to insure with direct line

 

[GordonD]

Whether or not its legal I think if you work through the economics of it you'll find it doesn't add up. It ends up costing more than you benefit.

 

[Gregg]

^^ yes but the named driver only gets the NCB if they continue to insure with direct line

Cheeky feckers! Still got to be the best way tho

 

[kevinhall]

Is it against the law to have 2 insurance policies on the same car.

Yes, plus your GF won't be able to insure your car cos she doesn't own it and therefore doesn't have an insurable interest. As said above a policy that gives named drivers NCD is the way to go. Think Admiral or someone advertised that they have started doing this as well as DL.

 

[Ben.]

^^ yes but the named driver only gets the NCB if they continue to insure with direct line

yes, but you only have to stay insured with them for another year and then you can switch them to another company

 

[Shindig]

well cheers for your replies on that topic

 

[172blue]

The answer is simple. You insure it one year, she the next, you the following. This maintains each of your bonuses, builds them up, admittedly at half the pace, but it works. I used to do this with my wife's car when I had a company car for years, to keep my NCB.

 

[Sash]

Yes, plus your GF won't be able to insure your car cos she doesn't own it and therefore doesn't have an insurable interest.

You dnt have to own the car to insure it. i dnt own my car but i insure it.

 

[Jaff]

you have to read the policy very very very care fully, most policys assume you own the car and do not ask who the owner is, but state in the policy the driver mustbe the owner.
Most will not touch you if you are not the cars owner.
if you are oging to do that route, you could do what the indian family do in my estate they have a banger that they keep just road worthy its worth like £20, they only insure it for 1000 miles a year (the insurance want proof of it in the form of copies of the MOT Cert)they insure it to the youngest in the family, and it dosnt move the take it out for a 5 minute run evry now nd a gain, and have a stupide excess on it so its only a couple of hunderd quid to insure, mean while the person is named on another policy but declare they have their own car etc so. the system works quite well.
but that was before the insurance started doing named get NCB.