Some SD&P providers make the commercial decision to not allow you to purchase your Hire and Reward policy elsewhere, if you have SD&P with them. This is purely a commercial decision as part of their product promotion and is not a legal issue about having two insurance policies. Please check your SD&P Terms and Conditions for further details.
- When you are working, your standard Social, Domestic and Pleasure (SD&P) cover will not cover you in the case of an incident.
- Zego policies only cover you for the time that you are working when your standard cover is not valid.
- You therefore have two policies, but they do not work at once - your standard policy whilst you are not working, and your Zego policy whilst you are working.