2 insurance in same bike ?

[8800]

Is it possible to have two separate insurance policy is on the same bike?

2 different insurance policies on the same bike so no matter which one of us ride the bike we’re covered under our own policy

Is that allowed ?

[Polarbear]

Pretty sure it's a no no.


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.

So there you are, I'm wrong.

https://www.comparethemarket.com/car-insurance/content/two-policies-one-car/?SRC=DE92&gclid=CjwKCAjwqJ_1BRBZEiwAv73uwHdPI5_igXIM_RJ-xv92gg4SjZwkTUxIiek8uFitd1pcU7TzS_eCwRoCP1QQAvD_BwE&gclsrc=aw.ds
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Triumph Trophy Launch Edition

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[8800]

[Riejufixing]

[Ste]

No reason why you couldn't, assuming there's nothing in the terms and conditions for either policy that throws a spanner in the works.

[8800]

[Ste]

Pillion passengers are irrelevant.

[8800]

[stinkwheel]

Do you have more than one bike? Many comp. policies cover you to ride other vehicles (and some even cover you to the level of cover that is already on the bike now).

Because if you were insured on one each, you could each ride the other one.

Obviously this is a non-starter if you only have one bike.

EDIT: It might still work out cheaper to buy him a cheap scrapper to sit in the shed insured. He'd be building up his own NCB too.
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“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.

[8800]

[Freddyfruitba...]

I think where you might run into problems with two policies is in the event of a claim where there is potential overlap between liability of the two insurers. If one of you is riding and has an accident, no probs, but what if the bike gets nicked when unattended by either rider? I don't think you can simply pick and choose which insurer to claim through; I believe it's a basic tenet of insurance that if there is 'overlap' between insurers then the claim has to be split (it's likely to be mentioned in the T&Cs; this sort of thing happens more commonly with travel insurance vs personal possessions insurance claims). Not only would that be very messy to deal with, but you'd also screw up two no-claims discounts.
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KC100->CB100N->CB250RS--------->DL650AL2->R1200RS->R1250RS

[Easy-X]

So if you control both sides of the equation it should be fine?

Here's a more common scenario...

You've bought a bike, rode around for 9 months, didn't like it, sold it.

The insurance was, for example, £100. The cancellation fee is £50, no prorata refunds as you didn't read the fine print. "Fuck it, I'll leave it and pick up a year's NCD."

Numpty you sold said bike to doesn't tax or insure it. Kills someone, leaves bike in a ditch and legs it. DVLA might eventually forward "requests for information" to the right place (assuming you filled in the V5 correctly) but the 3rd party insurance query will turn up your policy... oh feck

Have I got that assessment right? I hope so, it's gonna be a plank in my defence when the wife badgers me to sell the DT... "but I'll be losing money, my love! best wait until the insurance is up for renewal"
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Royal Enfield Continental GT 535, Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter

[8800]

[dynax]

Keep it simple, it is cheaper for him to insure it then just add you to his policy
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Mike.
Bikes: Xena, Bridget,Florence
https://www.youtube.com/channel/UCmihUc0xXxYbR4_0l-F1FzA/videos?view_as=subscriber

[stinkwheel]

The other thing is many insurance companies consider it to be illegal to have two policies on the same bike. Regardless of if it is or is not.

They have directly told me so when it was going to cost me extra money to cancel a policy they couldn't add a new bike to. I thought I'd just take out the new policy and leave the old one to run-out and they got humpty about it and refused to issue the new one until the old one was cancelled or ran out. I eventually insured the new one with someone else, making sure I could cheaply add bikes to the policy then added the other bike when the policy ran out.

If they do a search and find an existing policy on it, they may just cancel on you.
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“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.

[8800]

[Ste]

Have a look at policy documents for company X and for company Y?

[andyscooter]

[Minty]

Would expect all policies to require the insured to also be the registered keeper. That scuppers any more than one legit policy to be in place.
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My fingers smell of your mum.

[1198]

[dynax]

You can have a vehicle registered in someone elses name who is not the legal owner ( says so on the V5) so transfer the bike to your son as the registered keeper ( 10 mins online give or take) insure in his name and a named rider and away you go
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Mike.
Bikes: Xena, Bridget,Florence
https://www.youtube.com/channel/UCmihUc0xXxYbR4_0l-F1FzA/videos?view_as=subscriber

[Freddyfruitba...]