Common arrangements include changing the vehicle on an existing policy, obtaining temporary additional-vehicle cover from the current insurer, or placing a separate policy on the second vehicle.

How insurers commonly treat this

• Availability differs between insurers.
• A no-claims discount is normally associated with a particular policy, so a separate second policy may be priced differently.
• Administration charges, cancellation charges and the length of the overlap can affect the total cost.

What the quotation may ask for

Quotation forms use the information supplied to determine which insurers can offer cover and on what terms. Where the available answer does not accurately describe the circumstances, the insurer or comparison provider can clarify how that information is recorded.