Basically my son took my car and would be main driver so needed his own insurance. Fine
I wanted to keep my insurance going on it to drive it up to him and also to keep my ni claims going until it ended in September. It wasnt going to cost me much as my insurance was cheap and the cancellation admin cost £40.
But I was told I couldnt. I had to get £17 refund on mine and add me as a named driver on his.
I sold my car so phoned the insurance company to tell them, I was told since I only had 6 weeks remaining on my policy that I didn't need to cancel and it just wouldn't renew automatically. He didn't seemed concerned that there would be 2 separate people insuring 1 car.
You can't have 2 policies for the same car with each having a different main driver. You would use 1 policy with a main driver and a named driver. Contact them and ask if they will swap from you to him
You might find that since the car is no longer being kept at your address it makes the policy invalid you will need to tell them the car is being kept elsewhere and you no longer have any insureable interest in the vehicle. If he keeps the car with the same company you they might be ok with it.
It does happen but is a complete ballache to resolve. Essentially if there's more than 1 insurer they end up sharing the cost of the claims (or one of them will argue their policy is invalid and it's wholly the other company who counter argue that they aren't 100% responsible). I've not seen it a lot but I'd say around maybe 25/30 in every 1,000 insurance litigation cases that came across my desk 15 or so years ago had multiple insurers. Some were mundane where there was free 7 days on buying and the owner had took insurance anyway, others were where people had the dates wrong so there was an unfortunate overlap when the claim occurred. One I recall was a dad who thought his daughter useless so insured it for her (without telling her!), she was a reasonably successful businesswoman and had it covered literally. Smh. So yes it does happen but it is always messy.
Actually, you can have a car insured twice... if you have a learner. There are plenty of firms that specialise in short-term learner only policies. My DC1 has one to drive my car. It's separate from my own car insurance. If DC1 has a bump, the claim goes on their insurance not mine. Perfectly valid.
My insurers told me you can't be the main driver on someone else's policy. The policy has to be in the name of the main driver.
I think that, although you will be paying up to the end of the policy term to cover the claim made, the policy can be cancelled so your any insurance your XP takes out will be the only live one. It would be worth double checking with your insurers, just in case.
I was the main driver so I'm listed as so with him as the named.
The v5 is registered in my address still at the moment.
There is an open claim I believe on the account as we claimed for an accident but the other party involved wouldn't give their insurance details, although we gave ours and our insurance company hasn't had any contact from the alleged 3rd party so don't know where we stand there.