|
It may be cheaper for her to hire a car with insurance from a local hire company like Arnold Clark or whom ever. Regards Peter
|
Get sis in law to insure the car and freeze your policy
--
2 Dirty VW diesels and a Honda with an 18 inch blade
|
You cannot have two insurance policies for one vehicle, or house, or whatever.
What is required is for you to temporarily add her name to your insurance - I'm sure she will pay the comparatively small cost.
- - - - - - - - - - - - - - - - - - - - -
What\'s for you won\'t pass you by
|
.. similar thread recently, but for the life of me I can't find it...so I will pose this question again. ..
>>
easy. use the "forum" serach on right. search for "two insurance policies" :
either 1. subject or 2. message body
brings up
www.honestjohn.co.uk/forum/post/index.htm?t=42462&...f
|
|
Thank you Dalglish, that was the thread I was looking for, but obvioulsy put in the wrong search criteria!!!!!
|
|
|
|
|
I think you can have 2 policies on one car, but obviously can claim on only one - Now why would I want to put someone who does not have the best claims history in the world on our policy? If she did have an accident it is our policy that will go up next year even if she does pay for the difference she will not pay it over the next 3 years which is how long we will have to declare it for, let alone how much they will hike the premium by, just not worth the risk in my book - she only needs it as a fill in between selling her last car and getting her new one so she should be able to transfer her insurance over for that small period of time.
|
I think that being able to add drivers to a car insurance policy is being confused with the policies themselves.
Insurance companies will not allow two policies on one vehicle, property etc as it would be wide open to fraud, abuse or whatever you wanted to call it.
- - - - - - - - - - - - - - - - - - - - -
What\'s for you won\'t pass you by
|
Stuartli, first post says he does'nt want his sis in law on his policy, shes a liability.
Sis in law insures the car on her policy from xx/xx/xx date and you freeze your policy from the same date. Tell your insurance co's the reason why.
--
2 Dirty VW diesels and a Honda with an 18 inch blade
|
Stuartli, first post says he does'nt want his sis in law on his policy, shes a liability. Sis in law insures the car on her policy from xx/xx/xx date and you freeze your policy from the same date. Tell your insurance co's the reason why.
I tried to do this when we wanted to borrow MIL's car for a couple of wks. I was told by several companies that I couldn't insure it if I wasn't the registered keeper (some said owner, but that's clearly tenuous, as finance companies own a lot of cars).
Yet some gargages insist that you out courtesy cars on your own insurance (mine covers them automatically) so insuring cars you don't own must be possible.
|
|
|
|
>>Insurance companies will not allow two policies on one vehicle
Of course they will. There are many reasons why that might be so. What about when a garage is servicing your car and road-testing it ? Or do you think that they are doing that on your insurance ? It also can happen when more than one policy you have offers you similar cover - legal cover for example. Typically house insurance and motor insurance can offer you liability insurance. The claim should be made on the most applicable and immediate policy and if they both are eligible then it should be made pro-rata accoridng to premium and proportion of cover.
Its just not usually the best way of doing things for members of the public. Insurance companies don't like it because of potential abuse, but it is not up to them other than the fact that they may choose to insure the risk or not themselves.
However, was it me, I wouldn't lend her the car in the first place, but if I was going to I would cancel/suspend my insurance and insist on seeing proof of her insurance (of which I would keep a photocopy) before she could take the car - just to avoid any potential "mistakes" which might end up with me having an aiding and abetting issue.
|
|
|
|
|
|
