Two Policies On One Car
Can my wife and I be insured on the same car but with different car insurance policies?
No, you are only allowed one policy per car. If the car was damaged while it was stationary or stolen you would only be able to claim on one policy. Having two different policies in on the same car can be considered fraudulent and leave the policy holders open to prosecution. Furthermore, having two policies in different names is likely to be far more expensive than having one policy and naming one of you as a second driver.