Stolen Car: Insurance / owner / user / registered keeper?

[Tommie38]

We were the unfortunate victim of a burglary recently, and our car was stolen.

I have a nagging concern that there may be an issue with an insurance payout, and would welcome some experienced views.

Situation:
- I am the registered keeper (this is the bit that concerns me)
- Car is driven by my wife as her main car
- Insurance was in my wife's name, with me as a named driver
- Insurance company are aware that she is not the registered keeper

FWIW, I have my own car and am the registered keeper for that. On that car, the insurance is in my name and she is a named driver. The history is that we got rid of her last car, she took my old car and I bought a new one. We are not talking particularly fancy cars here. Crime reference number etc all as it should be.

My question is... is there any risk that the insurance company doesn't pay out?

[Tommie38]

Sheepshanks said:

I'm intrigued to know what you think the problem might be?

This is exactly the set-up on the car my wife uses. The insurer (LV=) told us that between husband and wife it didn't matter how it was done. Having said that it was slightly cheaper with her as policyholder.

I only put the policy into her name so she would benefit from DOC cover after her Dad tried to get her to drive his car insisting it would be OK "as it's fully comprehensive".

My main concern would be whether somebody questioned who owned the car, or whether the owner of the car was the only person that could insure it.

Taking the balance of views I suspect it will be fine. The insurance company haven't said it will be an issue.

[Tommie38]

Thanks for the responses everybody.

I'll update for record once I have a definite outcome.