{"id":1504,"date":"2017-08-28T04:53:07","date_gmt":"2017-08-28T04:53:07","guid":{"rendered":"https:\/\/pamstaging.securenow.in\/insuropedia\/?p=1504"},"modified":"2026-06-24T10:36:19","modified_gmt":"2026-06-24T10:36:19","slug":"what-to-do-in-case-vehicle-is-covered-under-two-motor-policy","status":"publish","type":"post","link":"https:\/\/securenow.in\/insuropedia\/what-to-do-in-case-vehicle-is-covered-under-two-motor-policy\/","title":{"rendered":"What to do when a vehicle is covered under more than one motor policy?"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><p>In case two motor fleet insurance policies are in existence for the same vehicles with the same covers. Cancel one of the motor fleet insurance policy.<\/p>\n<h2 data-path-to-node=\"3\">Key Takeaways<\/h2>\n<ul data-path-to-node=\"4\">\n<li>\n<p data-path-to-node=\"4,0,0\"><b data-path-to-node=\"4,0,0\" data-index-in-node=\"0\">The Anti-Profit Insurance Mandate:<\/b> Having two motor fleet insurance policies does not allow for double recovery; the policyholder won&#8217;t get more than what the actual loss is under strict indemnity rules.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"4,1,0\"><b data-path-to-node=\"4,1,0\" data-index-in-node=\"0\">The Later Commencement Date Rule:<\/b> When duplicate coverage exists, the contract purchased later carries an automatic cancellation mandate to clean up the corporate portfolio.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"4,2,0\"><b data-path-to-node=\"4,2,0\" data-index-in-node=\"0\">Intra-Company Premium Relief:<\/b> If an organization accidentally insures fleet assets through two different offices of the same motor fleet insurance company, they can secure a 100% refund of the premium.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"4,3,0\"><b data-path-to-node=\"4,3,0\" data-index-in-node=\"0\">Pro-Rata Inter-Company Adjustments:<\/b> When duplicate fleet contracts span two entirely different insurance entities, the company processing the termination will refund the premium on a proportionate basis.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"4,4,0\"><b data-path-to-node=\"4,4,0\" data-index-in-node=\"0\">The Pre-Cancellation Claim Penalty:<\/b> If an active claim is filed on either contract while both are active, the general insurer will automatically refuse to issue a premium refund for the cancellation.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"4,5,0\"><b data-path-to-node=\"4,5,0\" data-index-in-node=\"0\">The Tariff Minimum Guardrail:<\/b> If an earlier-dated contract must be terminated instead, the underwriting firm will deduct the active risk coverage period while retaining the minimum premium specified in the tariff.<\/p>\n<\/li>\n<\/ul>\n<h3><strong>Read More: <\/strong><a href=\"https:\/\/securenow.in\/insuropedia\/how-to-file-a-claim-under-motor-fleet-insurance\/\"><strong>How to file a claim under Motor Fleet Insurance Policy?<\/strong><\/a><\/h3>\n<div class=\"react-scroll-to-bottom--css-bvrwv-1n7m0yu\">\n<div class=\"flex flex-col pb-9 text-sm\">\n<div class=\"w-full text-token-text-primary sm:AIPRM__conversation__response\" data-testid=\"conversation-turn-13\">\n<div class=\"px-4 py-2 justify-center text-base md:gap-6 m-auto\">\n<div class=\"flex flex-1 text-base mx-auto gap-3 md:px-5 lg:px-1 xl:px-5 md:max-w-3xl lg:max-w-[40rem] xl:max-w-[48rem] group final-completion\">\n<div class=\"relative flex w-full flex-col lg:w-[calc(100%-115px)] agent-turn\">\n<div class=\"flex-col gap-1 md:gap-3\">\n<div class=\"flex flex-grow flex-col max-w-full\">\n<div class=\"min-h-[20px] text-message flex flex-col items-start gap-3 whitespace-pre-wrap break-words [.text-message+&amp;]:mt-5 overflow-x-auto\" data-message-author-role=\"assistant\" data-message-id=\"88613976-2dfd-413c-a710-c57bf3907ff3\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<p>In situations where one of the motor fleet insurance policies starts at a date later than the other insurance policy, you need to cancel the policy that you bought later.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>Here, it is important to understand that if a vehicle is at any time insured with two different offices of the same motor fleet insurance company. A policyholder may be allowed to get a 100% refund of the premium by canceling the motor fleet insurance policy that he\/she buys later. However, if two different insurers issue motor fleet insurance policies, the policyholder must cancel the one that commences later. The company will refund the premium on a pro-rata basis.<\/p>\n<p>In those situations, where it is required by the motor fleet insurance policyholder to cancel the earlier dated policy, then the insurer will deduct the premium for that amount for which coverage was given, i.e., for the period for which the insurance policy was active before the cancellation. Retain the minimum premium as specified in the tariff in all situations.<\/p>\n<div class=\"react-scroll-to-bottom--css-bvrwv-1n7m0yu\">\n<div class=\"flex flex-col pb-9 text-sm\">\n<div class=\"w-full text-token-text-primary sm:AIPRM__conversation__response\" data-testid=\"conversation-turn-17\">\n<div class=\"px-4 py-2 justify-center text-base md:gap-6 m-auto\">\n<div class=\"flex flex-1 text-base mx-auto gap-3 md:px-5 lg:px-1 xl:px-5 md:max-w-3xl lg:max-w-[40rem] xl:max-w-[48rem] group final-completion\">\n<div class=\"relative flex w-full flex-col lg:w-[calc(100%-115px)] agent-turn\">\n<div class=\"flex-col gap-1 md:gap-3\">\n<div class=\"flex flex-grow flex-col max-w-full\">\n<div class=\"min-h-[20px] text-message flex flex-col items-start gap-3 whitespace-pre-wrap break-words [.text-message+&amp;]:mt-5 overflow-x-auto\" data-message-author-role=\"assistant\" data-message-id=\"dd79da65-e0ff-449f-ab60-f152499f9b95\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light AIPRM__conversation__response\">\n<div class=\"react-scroll-to-bottom--css-bvrwv-1n7m0yu\">\n<div class=\"flex flex-col pb-9 text-sm\">\n<div class=\"w-full text-token-text-primary sm:AIPRM__conversation__response\" data-testid=\"conversation-turn-19\">\n<div class=\"px-4 py-2 justify-center text-base md:gap-6 m-auto\">\n<div class=\"flex flex-1 text-base mx-auto gap-3 md:px-5 lg:px-1 xl:px-5 md:max-w-3xl lg:max-w-[40rem] xl:max-w-[48rem] group final-completion\">\n<div class=\"relative flex w-full flex-col lg:w-[calc(100%-115px)] agent-turn\">\n<div class=\"flex-col gap-1 md:gap-3\">\n<div class=\"flex flex-grow flex-col max-w-full\">\n<div class=\"min-h-[20px] text-message flex flex-col items-start gap-3 whitespace-pre-wrap break-words [.text-message+&amp;]:mt-5 overflow-x-auto\" data-message-author-role=\"assistant\" data-message-id=\"6ddbd308-ec12-42f9-b51b-b21223faf582\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<div class=\"flex flex-grow flex-col max-w-full\">\n<div class=\"min-h-[20px] text-message flex flex-col items-start gap-3 whitespace-pre-wrap break-words [.text-message+&amp;]:mt-5 overflow-x-auto\" data-message-author-role=\"assistant\" data-message-id=\"f87a179c-0c7d-4da6-bc07-5c756bcc7ca5\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<div class=\"flex flex-grow flex-col max-w-full\">\n<div class=\"min-h-[20px] text-message flex flex-col items-start gap-3 whitespace-pre-wrap break-words [.text-message+&amp;]:mt-5 overflow-x-auto\" data-message-author-role=\"assistant\" data-message-id=\"0d9c3cc2-27d7-41d5-a259-f9e68c3c9785\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<div class=\"flex flex-grow flex-col max-w-full\">\n<div class=\"min-h-[20px] text-message flex flex-col items-start gap-3 whitespace-pre-wrap break-words [.text-message+&amp;]:mt-5 overflow-x-auto\" data-message-author-role=\"assistant\" data-message-id=\"42f38ebf-39e9-4daf-bcc8-a185dd847487\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light AIPRM__conversation__response\">\n<p>However, if a claim has been made on either of the policies during the period when both motor fleet insurance policies were active but before canceling any of them, the company will not issue a premium refund for such cancellation.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>Remember, the purpose of an insurance policy is to offer you financial security against various losses or damages, however, in any case, you won\u2019t get more than what your actual loss is even if you have bought two <a href=\"https:\/\/securenow.in\/property-insurance\/motor-fleet-insurance\"><strong>motor fleet insurance<\/strong><\/a> policies.<\/p>\n<h2><strong>Case: 1<\/strong><\/h2>\n<p>R.J Mill has a wide array of cars that the company uses for providing transportation facilities to its employees. As the company has to buy motor fleet insurance also, it purchases the insurance from two different offices of the same motor fleet insurance company. As the vehicles run in both Delhi and Pune, the company buys motor fleet insurance policies from both offices of the same insurance company.<\/p>\n<p>However, it is necessary for R.J Mill to cancel its one-motor fleet insurance policy. In May, the policyholder bought the first insurance policy, and in July, they purchased the second one.<\/p>\n<p>R.J Mill should cancel the second policy by informing the same to the insurer in writing. In this case, the insurer can refund 100% of the premium paid by R.S Mill.<\/p>\n<h2><strong>Case: 2<\/strong><\/h2>\n<p>L.S Jewellers has offices spread across the country. Last year, the company purchased 50 new cars that it planned to use for both its personal and official work.<\/p>\n<p>As it is essential to buy a motor fleet insurance policy. L.S Jewellers bought two motor fleet insurance policies of the same coverage from two different insurance companies.<\/p>\n<h3><strong>Read More: <\/strong><a href=\"https:\/\/securenow.in\/insuropedia\/what-is-not-included-in-your-motor-fleet-insurance-policy\/\"><strong>What is not included in your Motor Fleet Insurance Policy?<\/strong><\/a><\/h3>\n<p>However, L.S Jewellers has to cancel one motor fleet insurance policy. The company should cancel the policy that the insurer buys later. The company would refund the premium on a proportionate basis.<\/p>\n<h2><strong>Case: 3<\/strong><\/h2>\n<p>Recently, N.K Engineering has purchased ten more vehicles for the transportation of employees and goods. The company has decided to buy motor fleet insurance from two insurance companies. However, it should avoid doing so.<\/p>\n<p>In case, it has already bought the policies from two different insurance companies. It is necessary to cancel that policy which it purchases later. The insurer will refund the premium on a proportionate basis.<\/p>\n<h3>Summary Table: Underwriting Rules for Dual Motor Fleet Insurance Coordination<\/h3>\n<table data-path-to-node=\"1\">\n<thead>\n<tr>\n<td><strong>Scenario &amp; Insurer Setup<\/strong><\/td>\n<td><strong>Primary Contractual Action<\/strong><\/td>\n<td><strong>Premium Refund Architecture<\/strong><\/td>\n<td><strong>Claims Impact on Cancellation<\/strong><\/td>\n<td><strong>Case Study Context<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\n<p data-path-to-node=\"1,1,0,0\"><b data-path-to-node=\"1,1,0,0\" data-index-in-node=\"0\">Dual Coverage: Same Insurer<\/b><\/p>\n<p data-path-to-node=\"1,1,0,2\"><i data-path-to-node=\"1,1,0,2\" data-index-in-node=\"0\">(Different branch offices)<\/i><\/p>\n<\/td>\n<td><span data-path-to-node=\"1,1,1,0\">Must cancel the policy with the <b data-path-to-node=\"1,1,1,0\" data-index-in-node=\"32\">later commencement date<\/b> via formal written intimation.<\/span><\/td>\n<td><span data-path-to-node=\"1,1,2,0\">Eligible for a <b data-path-to-node=\"1,1,2,0\" data-index-in-node=\"15\">100% full premium refund<\/b> on the duplicate policy bought later.<\/span><\/td>\n<td><span data-path-to-node=\"1,1,3,0\">If a loss occurs while both lines are active, the claim must be processed before canceling.<\/span><\/td>\n<td><span data-path-to-node=\"1,1,4,0\">Textile mill purchased fleet policies from branches in Delhi and Pune for the same vehicles.<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<p data-path-to-node=\"1,2,0,0\"><b data-path-to-node=\"1,2,0,0\" data-index-in-node=\"0\">Dual Coverage: Different Insurers<\/b><\/p>\n<p data-path-to-node=\"1,2,0,2\"><i data-path-to-node=\"1,2,0,2\" data-index-in-node=\"0\">(Separate general insurance companies)<\/i><\/p>\n<\/td>\n<td><span data-path-to-node=\"1,2,1,0\">Must cancel the policy with the <b data-path-to-node=\"1,2,1,0\" data-index-in-node=\"32\">later commencement date<\/b> to avoid overlapping risk.<\/span><\/td>\n<td><span data-path-to-node=\"1,2,2,0\">Insurer issues a <b data-path-to-node=\"1,2,2,0\" data-index-in-node=\"17\">pro-rata \/ proportionate basis refund<\/b> for the unused timeline.<\/span><\/td>\n<td><span data-path-to-node=\"1,2,3,0\">Replaces duplicate coverage with single indemnity, retaining a mandatory tariff minimum premium.<\/span><\/td>\n<td><span data-path-to-node=\"1,2,4,0\">Jewelery firm secured 50 vehicles under two separate corporate automobile portfolios.<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<p data-path-to-node=\"1,3,0,0\"><b data-path-to-node=\"1,3,0,0\" data-index-in-node=\"0\">Pre-Cancellation Claim Event<\/b><\/p>\n<p data-path-to-node=\"1,3,0,2\"><i data-path-to-node=\"1,3,0,2\" data-index-in-node=\"0\">(Loss occurs during active overlap)<\/i><\/p>\n<\/td>\n<td><span data-path-to-node=\"1,3,1,0\">Process the accident claim under the active framework before initiating cancellation.<\/span><\/td>\n<td><span data-path-to-node=\"1,3,2,0\"><b data-path-to-node=\"1,3,2,0\" data-index-in-node=\"0\">No premium refund is issued<\/b> by the company if an active claim was filed during the overlap.<\/span><\/td>\n<td><span data-path-to-node=\"1,3,3,0\">Limits total compensation to the <b data-path-to-node=\"1,3,3,0\" data-index-in-node=\"33\">actual loss value<\/b>, prohibiting duplicate profit generation.<\/span><\/td>\n<td><span data-path-to-node=\"1,3,4,0\">Engineering firm added 10 transport assets and suffered a loss before clearing duplicate policies.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div class=\"react-scroll-to-bottom--css-bvrwv-1n7m0yu\">\n<div class=\"flex flex-col pb-9 text-sm\">\n<div class=\"w-full text-token-text-primary sm:AIPRM__conversation__response\" data-testid=\"conversation-turn-21\">\n<div class=\"px-4 py-2 justify-center text-base md:gap-6 m-auto\">\n<div class=\"flex flex-1 text-base mx-auto gap-3 md:px-5 lg:px-1 xl:px-5 md:max-w-3xl lg:max-w-[40rem] xl:max-w-[48rem] group final-completion\">\n<div class=\"relative flex w-full flex-col lg:w-[calc(100%-115px)] agent-turn\">\n<div class=\"flex-col gap-1 md:gap-3\">\n<div class=\"flex flex-grow flex-col max-w-full\">\n<div class=\"min-h-[20px] text-message flex flex-col items-start gap-3 whitespace-pre-wrap break-words [.text-message+&amp;]:mt-5 overflow-x-auto\" data-message-author-role=\"assistant\" data-message-id=\"2fd28e96-2162-4d40-9dd6-e4d16bb17eaa\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light AIPRM__conversation__response\">\n<p>If N.K Engineering files a claim on either of the policies before canceling the insurance policy, the <a href=\"https:\/\/securenow.in\/property-insurance\/motor-fleet-insurance\">motor fleet insurance company<\/a> will not issue a refund.<\/p>\n<h3 data-path-to-node=\"6\">Frequently Asked Questions (FAQs)<\/h3>\n<h4 data-path-to-node=\"7\"><b data-path-to-node=\"7\" data-index-in-node=\"0\">1. What is motor fleet insurance and what happens if duplicate policies exist?<\/b><\/h4>\n<p data-path-to-node=\"7\"><strong>A)<\/strong> Motor fleet insurance is a unified corporate automobile policy designed to cover a wide array of cars, logistics trucks, and employee transport vehicles under a single contract. If two separate fleet policies are accidentally active for the identical vehicle pool with identical covers, the policyholder is legally required to cancel one of the policies to eliminate duplicate coverage.<\/p>\n<h4 data-path-to-node=\"8\"><b data-path-to-node=\"8\" data-index-in-node=\"0\">2. Which motor fleet insurance policy should be canceled if double coverage occurs?<\/b><\/h4>\n<p data-path-to-node=\"8\"><strong>A)<\/strong> In standard corporate risk administration, the rule dictates that you must cancel the policy that <b data-path-to-node=\"8\" data-index-in-node=\"182\">starts at a date later than the other insurance policy<\/b>. The earlier-dated policy remains the primary active contract to ensure continuous risk protection for the vehicle fleet.<\/p>\n<h4 data-path-to-node=\"9\"><b data-path-to-node=\"9\" data-index-in-node=\"0\">3. Am I eligible for a 100% premium refund when canceling a duplicate fleet cover?<\/b><\/h4>\n<p data-path-to-node=\"9\"><strong>A)<\/strong> A policyholder is eligible to receive a <b data-path-to-node=\"9\" data-index-in-node=\"123\">100% refund of the premium<\/b> only if the duplicate vehicle policies were purchased through two different offices or branches of the <i data-path-to-node=\"9\" data-index-in-node=\"253\">same<\/i> motor fleet insurance company. In this specific scenario, the insurer cancels the later policy and returns the full amount.<\/p>\n<h4 data-path-to-node=\"10\"><b data-path-to-node=\"10\" data-index-in-node=\"0\">4. How is the premium refunded if the duplicate fleet policies are from two different insurers?<\/b><\/h4>\n<p data-path-to-node=\"10\"><strong>A)<\/strong> If two entirely different general insurance companies issue the duplicate commercial vehicle portfolios, a full refund is not possible. The policyholder must terminate the policy that commenced later, and that specific insurer will calculate and <b data-path-to-node=\"10\" data-index-in-node=\"342\">refund the premium on a pro-rata or proportionate basis<\/b> for the remaining unused days of the policy term.<\/p>\n<h4 data-path-to-node=\"11\"><b data-path-to-node=\"11\" data-index-in-node=\"0\">5. Can I get a premium refund if an vehicle accident claim is filed before cancellation?<\/b><\/h4>\n<p data-path-to-node=\"11\"><strong>A)<\/strong> No, if a physical damage or third-party liability claim is made on either policy during the period when both motor fleet insurance contracts were active, the underwriter <b data-path-to-node=\"11\" data-index-in-node=\"259\">will not issue a premium refund<\/b>. The presence of an active claim locks the premium pool for that policy term.<\/p>\n<h4 data-path-to-node=\"12\"><b data-path-to-node=\"12\" data-index-in-node=\"0\">6. Can a corporate firm collect payouts from both insurance companies for a single vehicle crash?<\/b><\/h4>\n<p data-path-to-node=\"12\"><strong>A)<\/strong> No, a corporate firm can never collect duplicate payouts for a single vehicle crash due to the insurance principle of indemnity. Even if an organization mistakenly holds two concurrent motor fleet insurance policies, the total financial compensation across both lines is strictly capped at the <b data-path-to-node=\"12\" data-index-in-node=\"392\">actual value of the loss sustained<\/b>, preventing illegal profit generation from an accident.<\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is motor fleet insurance and what happens if duplicate policies exist?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Motor fleet insurance is a unified corporate automobile policy designed to cover a wide array of cars, logistics trucks, and employee transport vehicles under a single contract. If two separate fleet policies are accidentally active for the identical vehicle pool with identical covers, the policyholder is legally required to cancel one of the policies to eliminate duplicate coverage.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Which motor fleet insurance policy should be canceled if double coverage occurs?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"In standard corporate risk administration, the rule dictates that you must cancel the policy that starts at a date later than the other insurance policy. The earlier-dated policy remains the primary active contract to ensure continuous risk protection for the vehicle fleet.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Am I eligible for a 100% premium refund when canceling a duplicate fleet cover?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A policyholder is eligible to receive a 100% refund of the premium only if the duplicate vehicle policies were purchased through two different offices or branches of the same motor fleet insurance company. In this specific scenario, the insurer cancels the later policy and returns the full amount.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How is the premium refunded if the duplicate fleet policies are from two different insurers?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"If two entirely different general insurance companies issue the duplicate commercial vehicle portfolios, a full refund is not possible. The policyholder must terminate the policy that commenced later, and that specific insurer will calculate and refund the premium on a pro-rata or proportionate basis for the remaining unused days of the policy term.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I get a premium refund if an vehicle accident claim is filed before cancellation?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No, if a physical damage or third-party liability claim is made on either policy during the period when both motor fleet insurance contracts were active, the underwriter will not issue a premium refund. 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Even if an organization mistakenly holds two concurrent motor fleet insurance policies, the total financial compensation across both lines is strictly capped at the actual value of the loss sustained, preventing illegal profit generation from an accident.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n<h4><b>About The Author<\/b><\/h4>\n<p><strong>Shivani<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">MBA Insurance and Risk<\/span><\/p>\n<p><span style=\"font-weight: 400;\">She has a passion for property insurance and a wealth of experience in the field, Shivani has been a valuable contributor to SecureNow for the past six years. As a seasoned writer, they specialize in crafting insightful articles and engaging blogs that educate and inform readers about the intricacies of property insurance. <\/span><span style=\"font-weight: 400;\">She brings a unique blend of expertise and practical knowledge to their writing, drawing from her extensive background in the insurance industry. Having worked in various capacities within the sector, she deeply understands the challenges and opportunities facing property owners and insurers alike.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>In case two motor fleet insurance policies are in existence for the same vehicles with the same covers. Cancel one of the motor fleet insurance policy. Key Takeaways The Anti-Profit Insurance Mandate: Having two motor fleet insurance policies does not allow for double recovery; the policyholder won&#8217;t get more than what the actual loss is [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"no","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[6],"tags":[193,221],"class_list":["post-1504","post","type-post","status-publish","format-standard","hentry","category-property-insurance","tag-property-insurance","tag-motor-fleet-insurance"],"acf":[],"modified_by":"SecureNow","_links":{"self":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/1504","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/comments?post=1504"}],"version-history":[{"count":12,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/1504\/revisions"}],"predecessor-version":[{"id":36434,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/1504\/revisions\/36434"}],"wp:attachment":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/media?parent=1504"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/categories?post=1504"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/tags?post=1504"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}