kingofturds

iTrader: (1)

My impreza looks like it's going to be off the road for a couple of months at least. In the mean time my uncle has offered to lend me his escort, it has tax and mot but is currently sorn'd due to the fact that he has bought a new car.

Will I be able to take out a policy and drive the car if I'm not the registered keeper?

Cheers

MDS_WRX

iTrader: (1)

I don't see why not. My partner has her car insured just for her (i.e. I'm not on the insurance at all) yet I'm the registered keeper of it.

Trippie

iTrader: (1)

there is any insurance policy a section that asks
are you the regesterd keeper.

Nato

As above - no reason why you can't insure it even if you're not the registered keeper.

kingofturds

iTrader: (1)

Cheers, for some reason I thought the registered keeper had to be insured as well.

Chris@A-Plan

You have to own the vehicle to insure it. If you don't have any financial interest in the vehicle, then you will not lose out if the vehicle is in a claim, that is the main reason why.

Alternatively you can add yourself to his policy for the interim if he is looking to take out insurance again.

Chris

boomclart

Well that makes no sense, because if you select your not the owner or registered keeper many will still provide you with a policy... so surely the above is incorrect?

Trippie

iTrader: (1)

+1
anybody can insure any car, the reg keeper is not
necessarily the owner as stated on a v5

Midlife......

iTrader: (2)

Are you sure you have to own it ? Our Citroen is owned by the Finance Company, My wife is on the V5 and yet it's me that insures it

Shaun

Rich 300

I recently had a hire car - not paid for by me - and the car hire company told me i had to either drive it on their insurance and risk paying a stupid high excess in the event of a prang or get it put on my own insurance

Chris@A-Plan

Insured and spouse is a tad different because what's her is yours etc... and finance agreements still mean you have some clout behind it. And some direct family members (parents) I think you can still do.

The reason most insurance companies don't do it is that there is no reason to drive the car cautiously as you suffer no financial loss if the car is in a claim. The whole point of insurance is to insure against your financial interest in an asset.

Yes some insurance companies will do it, but for temporary insurances I'm not so sure.

Mollymoo666

iTrader: (1)

Anyone can insure a car, regardless of ownership or registration

Chris@A-Plan

Depends on the insurance company.

JDM_Stig

iTrader: (3)

Well you insure cars that aren't owned by the policy holder, I know as you did insure one I owned and a friend used for a number of years.

DonNedly

iTrader: (10)

Some brokers require the registered keeper to be the policy holder but allow someone else to be the main driver.
However I own all the cars in my household but each family member has their own insurance policy with different companies so it is possible.

RetroMk1

iTrader: (1)

Depend on the company! but check the details after having a quote on confused etc..
Also you will pay more if it is not registered to you!

FitnessFreak83

iTrader: (2)

Yes tell me about it! I tried to insure an impreza which was in my dads name, but the quote went from £1000-something (for me alone) to £3000-something with him as the registered keeper!!!