Can I have two insurance covers at once?

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.


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