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Dual insurance FAQ

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Dual insurance FAQ

Dual insurance happens when you buy two or more insurance policies that cover the same risks over the same (or overlapping) time period.

What is dual insurance?

Dual insurance is when someone is covered for the same risks twice. It usually happens when a policyholder doesn’t realise they’re already covered for the risks they want to insure. It’s often a mistake – the policyholder can forget they’re already insured, or a policy gets renewed automatically.

For example, some construction sites and projects managed by larger organisations often have policies that already cover you up to a certain amount. This might mean you don’t need separate insurance.

It can also happen when a business or property changes owner and the previous policyholder hasn’t cancelled their policy, resulting in two or more parties being insured.

What happens when you’re dual insured?

Being dual insured can have an impact on you and your business:

  • you might end up paying for two or more policies unnecessarily
  • being dual insured can cause complications if you need to make a claim
  • while you can make a claim on either policy, you won’t be able to recover more than the amount needed to cover the loss

How can you prevent being dual insured?

Always check that you don’t already have insurance. You should also check that any previous policyholders have cancelled their insurance. If in doubt, get in touch with your insurer and ask them to check – they should be able to give you more information.

Do you need more information?

We've got a team of UK-based experts ready to help. You can give them a call on 0333 014 6683 Monday to Friday 9am – 6pm and Saturday 9am – 2pm.

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