Multiple Car Insurance

Everything you need to know

Why choose multiple car insurance?

1
From 1-28 days. You only pay for the cover you want and only when you need it.
2
Drive away cover while waiting for your annual policy.
3
Protects your no claims discount. Fully comp insurance for peace of mind.

What is duel insurance?

Dual insurance is a phrase that is commonly used in the insurance world, and you’ve probably heard it discussed when the topic of insurance comes up.

It’s essentially the idea that you take out multiple insurance policies covering the same type of risk on the same subject, whether that’s a car, a house or a gadget for the same period of time.

A great example of when dual car insurancecan occur is when you’ve specifically insured your personal possessions when going on holiday through an extra gadget cover add-on, whilst also being covered for the same thing on your home insurance, and having the exact same risk covered through a travel insurance policy included with your bank account.

Without even trying, you’re now covered for the same thing under multiple policies – dual insurance is well and truly in place.

It’s very unlikely that dual insurance is put in place on purpose and often happens by accident.

What is the dual car insurance law?

One of the most common myths associated with dual insurance and the aspect of it you’re probably most likely to be aware of is that it is illegal to be insured twice.

The act of dual car insurance itself is not illegal – otherwise thousands of holidaymakers each year would facing hefty punishments.

It is, however, fair to say that payouts can become complicated when dual insurance is in place.

Taking motor insurance, for example, if you have to make a claim, you are entitled to what is known as “restitution in full”. This means that you are put back into the position you were in prior to the accident – whether this is getting a pay-out for the car, or getting it fixed etc.

If dual insurance was in place, you wouldn’t be able to make a claim twice on the two separate policies, for example getting one insurer to pay-out for the car while getting the same car fixed by the second insure as this would result in more than “restitution in full”.

Instead, this is known as “betterment”, essentially the insurers would be putting you back into a better position than you were prior to the incident, this is considered as fraud and would, therefore, be illegal.

This, of course, doesn’t work the same way for policies such as home insurance policies which promise to replace an item on a “new for old” basis if you make a claim. This type of “betterment” is promised in the policy wording and is therefore not considered fraud.

Temporary insurance and dual car insurance

Temporary insurance is a prime example of where one subject – your car or a friend or family members car would be covered under multiple policies for the same thing. One short term insurance policy and one existing annual policy, both usually with fully comprehensive cover.

Having two policies running concurrently on the same vehicle through Tempcover would not be considered dual insurance, as the majority of the time, you would be insuring a separate policyholder on the vehicle or insuring the vehicle under your name for business use, where your annual insurer wouldn’t quote.

There’s no need to worry about dual car insurance or fear that it’s illegal to have multiple insurance policies in place – as long as you’re not using dual insurance to try and get more than you had at the beginning of course!

Get 1 hour to 28 days temporary car insurance in 90 seconds

Customer satisfaction

Since its inception in 2006, Tempcover has been dedicated to providing the best temporary vehicle insurance possible to hundreds of thousands of drivers.

We're currently rated 'Excellent' with a TrustScore of 4.6/5 on the consumer review website TrustPilot, and here’s what just some of the drivers who’ve used Tempcover before thought of our service.

Quick and easy multiple car insurance quotes

It couldn’t be simpler to get a multiple car insurance policy.

You can buy a policy online anytime you need it, and with our speedy quote process, you can get a price in just 90 seconds.

Temporary insurance from a panel of insurers

We all know that comparing prices is the best way to save money.

We compare prices and policies from a panel of leading multiple car insurance providers and show you the cheapest price possible.

You can pay for your short term insurance policy in several ways. Using our secure payment system, you can use the following payment methods:
VISA, Mastercard, AMEX

After you’ve bought your policy, your documents will be emailed to you instantly so there’s no waiting around.

The cover you need for the duration you want

Full cover, no impact

Get fully comprehensive cover on our standard short term policies - plus it won't affect your no claims discount

Hourly, daily, weekly

Choose the duration you want with 1-12 hour and 1-28 day cover available - don't pay for cover you don't need

All customised, nothing added

Customise your policy to suit your specific situation - get the policy you want and even choose the minute you want your policy to begin

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