Can two people having their own policy on the same car?

I don't think so.

I believe some swap ownership of the one car once a year and then swap who is the primary driver on a policy.

I think that prevents the NCB expiring.

But I'm not 100% on that.

cubix wrote: »

I know you can get on as a named driver but for various reasons not a runner.In times where we are being asked to use are cars less would it be that hard for insurance companies to word up something so people could share a car as opposed to having multi cars sitting outside a house.

I believe it is legal but if there was a claim it would be split between the two policies on the car so both NCBs would be affected in the event of any claim on either policy and all claims would be split between policies. If you choose to not inform the either insurance company in the event of a claim that would be fraud.

Car99 wrote: »

I believe it is legal but if there was a claim it would be split between the two policies on the car so both NCBs would be affected in the event of any claim on either policy and all claims would be split between policies. If you choose to not inform the either insurance company in the event of a claim that would be fraud.

That makes no sense and I am guessing was made up on the spot. It is the person that is insured not the car. So who ever was driving, their policy would be claimed against. Same as if some one with a third party extension borrows my car and crashes their insurance pays, we don’t share it.

Now I have no idea if it’s allowed or not, or why one would pursue it but the previous post is not how it would work.

893bet wrote: »

That makes no sense and I am guessing was made up on the spot. It is the person that is insured not the car. So who ever was driving, their policy would be claimed against. Same as if some one with a third party extension borrows my car and crashes their insurance pays, we don’t share it.

Now I have no idea if it’s allowed or not, or why one would pursue it but the previous post is not how it would work.

It is how it would work for fire and theft so someone is just extrapolating out.

Eggs For Dinner wrote: »

Only the owner/leasee of a car can insure it. Duplicate policies leaves it open for fraud. i.e both claiming for a theft or fire for the same vehicle

This. You can't insure something you don't have an insurable interest in, so unless the people are married only the owner can have a policy on the vehicle.

cubix wrote: »

Just coming back to update here

So ended up putting the car in the eldest lads name who has just started driving, has his theroy and provisional and supposedly the insurance company broker said his younger brother who does not have his theory test completed yet can be placed on as a named driver when he does.

Nominating a person as the main driver is not an arbitrary decision. The main driver needs to be the main driver. If you lie to your insurance company about who the main driver is, you may find yourself driving uninsured.