Can Two People Insure The Same Car HYUNDAI Elantra V Saloon (MD) (09.2010 - 12.2017)

Yes, in the UK, it’s perfectly legal for two people to insure the same 2015 Hyundai Elantra on separate policies. This often happens if both drivers want to keep their own no-claims bonus or have different uses for the car like one for commuting and the other for social driving. So, no rule says you can’t have two policies covering the same vehicle.

That said, there are some things to watch out for. Having two insurance policies on the same car doesn’t mean double the payout if you claim—insurance companies won’t pay out twice for the same damage, and trying to claim from both can look like fraud. Also, claims processes can get complicated as insurers might argue over who should pay what, potentially causing delays.

It’s usually simpler and cheaper to add the second person as a named driver on one policy rather than having two separate ones. Named drivers get the same cover on that car, though it might affect premiums and no-claims bonuses a bit differently.

If you’re lending your car occasionally to someone else, a short-term or temporary insurance policy for that driver can be a smart alternative to two full policies.

So, yes, you can insure one car with two people, but consider potential cost and complexity before doubling up.