Safe Speed Forums

I've often wondered, but never discovered, what really happens if by quirk two policies of insurance are in force covering an incident?

The most common example may be a borrowed vehicle with an 'any driver' policy being driven by someone with a 'driving other cars' clause in his policy.

I was worried once to see an exclusion clause in an insurance policy: "... provided that no other insurance policy is in force...." If you had two such policies in force, the system would seem to be prone to oscillation...

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Paul Smith
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I recall reading that it isn't a problem to insure something twice, but claiming twice would be fraud.

Another example is buying holiday insurance - the policy might cover loss/theft of items but your house insurance also might provide cover. I guess if you wanted to claim you would pick the one with the best cover.

When I rent bikes I always take full cover. It always includes some words to the effect that this is a secondary policy. Any other cover (life, accident etc) takes precident on claims. If you are the policy holder this is the primary policy, named drivers/riders have secondary cover.

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Speed camera policy Kills