I've previously used temporary insurance to insure a cheap hire car whilst visiting family in the UK.
I plan to visit again at the end of the year and youngest kindly offered use of his car. Obviously I would need to be added to his policy and I wondered whether temp insurance would be more cost effective. It then occurred to me would it be legal to insure the same vehicle with two policies simultaneously, albeit in different names.
Anyone any knowledge please?
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2 insurance policies can co-exist.
What cannot be done is claim on 2 policies for the one accident/event
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You may find that adding yourself to your son’s policy as a named driver for the full year costs very little or nothing. May even reduce his premium assuming you are older and wiser with a good driving record
Our daughter borrows wife’s car several weeks a year whilst we are away - the additional premium was about £20 per annum.
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My son attempted to add me to his insurance temporarily so I could take it for tyres while he was doing something else.
As above, the cost of adding me permanently was nugatory.
Useful last year when he was knackered after walking in the Lakes on Boxing Day and I could drive back.
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Are you a UK resident/UK licence holder?
If not may just need to be mindful of the T&Cs of the policy.
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That was my concern being EU resident with EU licence. I know from experience that it can be problematic, the temp cover was not.
Just trying to get my ducks in a row.
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It may well be as cheap or cheaper for you to be added as a named driver to the other person's policy.
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Varies enormously. Three yrs ago LV= charged around £30 to add someone to drive our car back from Heathrow on one day and back to Heathrow to pick us up on another day a month later. Our current insurer Churchill charges £5 for each day...ohhhh yes. In California where we stay with our son and dil, adding me to their cars actually reduces their premium. Clearly less risky old drivers are valued there!
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I have found it difficult to add daughter (10yrs ncd but resident abroad, but retains a UK licence in addition) at a reasonable charge for a short period inc EU use. Last summer it cost marginally less than hiring a car for 2 weeks. Initially I was refused cover but the fact that she had previously been a named driver on my policies held some sway.
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I don't know why us Brits tolerate probably the most user unfriendly car insurance system in the civilised world. It exists purely for the benefit of insurance companies and their shareholders.
www.reddit.com/r/AskUK/comments/1c8ld64/why_do_some_countries_insure_the_car_and_not_the/
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As I understand it, for an across the board average situation, car insurance is much chaper in the UK than in other countries.
Although ours has been doing its best to catch up over the last few years - European countries haven't seen the increases that many in the UK have.
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Not sure it's strictly comparable - some Brits we know in Portugal were saying it's the car that's insured, for any driver, or the driver insured, for any car (I can't recall which but I prefer to former) - either of which would be expensive here. I think there were other differences too.
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Sorted now.
Quote for temp insurance from a previously used company was £98 for two weeks. Son added me to his policy (renewal due in May) for £8.00! No contest really.
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Actually car insurance in UK is more expensive than most European countries. Germany is about the same as UK .
It is true that most European policies are car based rather than driver based. If this were to be introduced in UK it would of course mean lower costs for young drivers but increase premiums for everone else. Not likely to be popular on this forum.
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Temporary Insurance - Falkirk Bairn
