How to insure

[CAPP0]

This isn't particularly an SP&L topic but there's nowhere else obvious to post it.

I have a quick query about insuring a lease car. I have taken out a lease for a small car which MrsC will be the main user of. It's in my name because she doesn't currently work, so it was easier to finance the lease via me. So, in summary:

- car lease/finance in my name
- lease company will be RK on the V5
- primary driver will be MrsC

I know (from checking) that some insurance companies won't insure when the lease company are the RK (for instance, we can't transfer her current insurance from her current car to the lease car - Tesco say No).

So my question is, will we be able to insure it in her name despite her not being the RK OR the lessee? Using the Meerkats, it seems that we can answer all questions honestly in respect of doing it this way, and get quotes. It doesn't ask anywhere who is the lessee.

If we had to insure in my name with her as a named driver, I guess that could technically be looked upon as fronting, but for the record, cost-wise, there's just £4 difference on an annual policy between her insuring it with me as a named driver and vice versa (and actually it's £4 dearer for me to insure it), so we wouldn't be doing it for that reason. It's just to check how best to proceed so that we can get the car on cover correctly.

Thanks.

Edited by CAPP0 on Wednesday 8th May 10:16

[Mammasaid]

Short answer is yes.

I've insured vehicles in my name that I've not been the lessee for (L200 leased through partner's business)

[CAPP0]

Mammasaid said:

Short answer is yes.

I've insured vehicles in my name that I've not been the lessee for (L200 leased through partner's business)

Great, thanks.

[Dog Star]

Aviva have no problem with my personal lease car.

[jonwm]

My last 2 leases have been in my name with the wife as main driver, used sheilas wheels and Aviva in that time and both had no issue whatsoever

[Marcellus]

I've not personally owned a car in my name for over 10years as for various reasons we lease them in my wifes name and she's the RK.

I've always insured them in my name no issue though.,

[pozi]

Once you are married what's yours is hers and vice versa, insurance companies take the same view and provided you answer all questions honestly there is no problem with one of you owning it and the other insuring it.

[TwigtheWonderkid]

pozi said:

Once you are married what's yours is hers and vice versa, insurance companies take the same view and provided you answer all questions honestly there is no problem with one of you owning it and the other insuring it.

Which doesn't deal with his question.....neither of them own it.

[pozi]

TwigtheWonderkid said:

pozi said:

Once you are married what's yours is hers and vice versa, insurance companies take the same view and provided you answer all questions honestly there is no problem with one of you owning leasing it and the other insuring it.

Which doesn't deal with his question.....neither of them own it.

Happy?

[Marcellus]

TwigtheWonderkid said:

pozi said:

Once you are married what's yours is hers and vice versa, insurance companies take the same view and provided you answer all questions honestly there is no problem with one of you owning it and the other insuring it.

Which doesn't deal with his question.....neither of them own it.

cough cough, my wife leases a car(s) for my use in her name and I insure it........... that answers the OPS question.

[TwigtheWonderkid]

Marcellus said:

TwigtheWonderkid said:

pozi said:

Once you are married what's yours is hers and vice versa, insurance companies take the same view and provided you answer all questions honestly there is no problem with one of you owning it and the other insuring it.

Which doesn't deal with his question.....neither of them own it.

cough cough, my wife leases a car(s) for my use in her name and I insure it........... that answers the OPS question.

Yes, that does answer it. The above reply didn't.