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Can you have two car insurance policies on one car?

Can you have two car insurance policies on one car?

Driving without car insurance is illegal and could have devastating consequences. That’s why it’s vital that you’re properly covered at all times.

But what if you had two car insurance policies on the same car?

Daniel Hutson
From the Motor team
minute read
posted 10 FEBRUARY 2020

Why would I have two car insurance policies on one car?

It may seem absurd to have two car insurance policies for the same car, but it can happen.  
Most drivers who double up on their car insurance, do so by accident. Insuring the same car twice is more common than you’d think.  
Here are two common causes of doubling up:

Automatic renewal

In many cases, drivers take out a policy for 12 months, then assume it will expire automatically.

However, most insurance providers will auto-renew policies. If you don’t cancel before taking out a new policy, you could find yourself with two policies.

Unfortunately, this doesn’t mean that you have double the cover. But it does mean you could be paying twice to insure the same car.

Overlapping policies

It’s possible you may have two separate policies covering the same thing.

This happens frequently with breakdown cover. Some insurance providers offer fully comprehensive car insurance which includes roadside breakdown assistance.

Many motorists take out separate breakdown cover without realising it’s already included in their car insurance policy.

Is it illegal to have two policies on one car?

No, doubling up on your car insurance isn’t illegal. However, if you make a claim from two insurance providers, you can’t try and claim for the full amount from each of them. Doing so is considered fraud, and that is illegal.

Will two policies on one car affect my car insurance?

Paying for two car insurance policies could end up being very costly. You could find yourself paying two separate premiums for just one pay-out.

It could also become seriously complicated if you need to make a claim.

  • Contribution clauses mean that both insurance providers will need to agree on how much each one should contribute to your pay-out. If they disagree, your claim could take far longer to process.
  • If you make a claim, you could end up losing your no-claims bonus on both of the policies.
  • Making a claim from two separate insurance providers could increase the cost of your premiums.

How can I avoid doubling up on my car insurance?

To avoid doubling up and paying twice for your car insurance, it’s vital you read the terms and conditions of any policies you have. Take note of expiry dates and any auto-renewals.

But you don’t have to do everything yourself. At Compare the Market, AutoSergei™ will check for better deals before it’s time for you to renew. All you need to do is get a quote for car insurance and he’ll let you know when there’s a better deal.

However, remember that you’ll still need to cancel your existing policy before it auto-renews.

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