Yes, it is possible for two people to insure the same car under separate policies. Doing so can give you flexibility in certain circumstances. For instance, it can be useful if one person is considered a higher-risk driver and the other driver does not want their premium price to be affected.
It is completely legal and not that uncommon for two drivers to insure the same vehicle with their own individual cover. This is definitely something to consider if one driver has a bad credit score or if each driver wishes to remain with their own insurance carriers.
Yes, you can take out a separate car insurance policy on someone else's car – but make sure that you tell the insurer you're not the owner or the registered keeper of the vehicle when you apply.
However, you can easily insure someone else to drive your car by adding them to your individual car insurance policy as a named driver, so this essentially is what you may refer to as joint car insurance.
Yes, you can insure a car you don't own. However, you need to let your insurance provider know that you're not the owner or registered keeper of the vehicle. This is known as non-owner car insurance. There are all sorts of reasons you might want to get insurance on someone else's car.
Does a named driver have to have their own insurance?
No, named drivers do not need their own insurance if you're adding them to your existing policy. However, if the named driver has their own car, then they will need their own insurance for that vehicle. You can still be a named driver on someone else's policy even if you're the main driver on your own policy.
Is multi-car insurance cheaper? There's no guarantee it'll be cheaper than separate policies, but it's worth checking. To find out what works out cheaper for you, compare car insurance quotes, add them up, then try a multi-car quote to see if it costs less.
Depending on your policy, it's usually possible to add up to three or four named drivers for your car. Can I drive someone else's car if I'm not a named driver? This largely depends on your insurance policy and the situation.
If that driver looks like a higher risk to an insurer, the policyholder's costs could rise. Younger drivers often have faster reflexes and better eyesight. But more experienced drivers tend to have more natural caution and experience. According to our data, having 1 extra driver on your policy costs £560, on average.
Whether you're borrowing a friend's car or picking up a new vehicle, you can insure a car for a day, an hour, a week or up to a month. Short-term car insurance also allows someone else to drive your car temporarily.
Named drivers should use the car infrequently and less than the main driver. If, for example, you drive to and from work every day in the car and your child drives it a couple of times a week, then you would be considered the main driver.
If you're the current keeper, you must apply for a replacement V5C and tax your vehicle at a Post Office. If you're the new keeper, you cannot tax your vehicle without a new keeper slip. You'll need to apply for a new V5C by post.
Potential savings: Many insurers offer discounts for multi-car policies, which can result in a cheaper premium than if you insured each vehicle separately. Convenience: Having all your vehicles insured under one policy means less paperwork and only one renewal date to remember, reducing the administrative hassle.
In some cases your own motor insurance policy may cover you for driving another person's vehicle (providing they also have insurance). This is normally called Driving Other Cars or DOC cover.
Is it cheaper to add a second driver to insurance?
As a general rule then, adding a named driver will reduce the cost of your premiums if you're young. If you're an older and more experienced driver, however, adding an inexperienced driver such as your child as a named driver will likely increase your premiums.
How do insurance companies know who the main driver is?
Generally, fronting is uncovered when you make a claim. If the named driver was responsible or even just behind the wheel during the collision, your provider could launch an investigation. Once this happens, there are a few different tactics providers use to get the truth out.
How can I check if someone else's car is insured? You can check whether a third-party vehicle is insured in the event of an accident using askMID's other vehicle lookup tool by providing the following details: Your name, reference (or initials) and email address.
If you're considered a 'high-risk' driver (because you've only just passed your test, for example) and you add someone who is considered a much lower risk as a second (or third) driver, they can bring down the average risk, which means you're more likely to be offered a cheaper policy.
Why is my car insurance cheaper with a named driver?
Insurers will assume the young driver will spend less time behind the wheel as they're sharing the vehicle with someone else. A new driver, or an inexperienced driver, can be added to someone else's policy and this is often cheaper than taking out their own car insurance.
Do single people pay more for car insurance than someone who's married or living with their partner? Car insurance can cost more if you're the only driver on your policy. If your spouse or partner was a named driver on your policy, then you may be charged a higher premium if you get divorced or they die.
If a named driver has an accident, the main driver or policyholder will need to make a claim on the policy and this will affect their no claims discount. If a named driver on your policy has an accident the claim will be against your policy even if you are nowhere near the car or accident itself.
While named driver insurance can have benefits for both parties, the policyholder is more at risk. This is because is the named driver on your policy crashes the car, it will be under your name. So, if you have built up a no claims history of five years, and your named driver crashes, you will lose it if you claim.
Being a named driver on an insurance policy means you will have the same level of cover as the main driver, but aren't expected to be driving as much. It is usually normal for households to have named drivers on their car insurance policies if they need to share the same vehicle from time to time.
Remember that it's not the car that's insured – it's the driver. So while the owner of the car may have an insurance policy for the vehicle, each driver needs to have their own insurance (either via driving other cars cover or a temporary policy), or be specifically named on the policyholder's insurance policy.
