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If I have two separate policies for two separate cars is this considered double coverage?

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Not heard of the term double coverage in Insurance. If you had two cars both would require insurance. They could be insured on seperate insurance contracts with either the same insurer or 2 different insurers if you prefer . There is a policy now available for householders with more than one vehicle. This type of policy is often refered to as a Multi Vehicle policy where numerous cars are covered under one policy with the insurer giving an additional discount for the multi purchase.

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