Can you insure a car that is not registered to you ?

[R0G]

If person 1 owns a car and has it registered to them but does not have it insured can person 2 who does not own a car insure that car for person 2 to drive it ?

OR

Can person 1 retain legal ownership of the car but have the registered keeper as person 2 so person 2 above can insure it ?

[TooMany2cvs]

R0G said:

If person 1 owns a car and has it registered to them but does not have it insured can person 2 who does not own a car insure that car for person 2 to drive it ?

Of course. That's how virtually every lease car works.

R0G said:

Can person 1 retain legal ownership of the car but have the registered keeper as person 2 so person 2 above can insure it ?

Of course. Nothing, anywhere, states officially who the legal owner of the car is, and the V5C explicitly says on it "This is not proof of ownership".

[R0G]

This is not a lease car and I ask because this was deemed illegal on the TV prog Judge Rinder yesterday because the only way any insurer would insure it is if person 2 lied to them stating it was their car

[marshalla]

R0G said:

This is not a lease car and I ask because this was deemed illegal on the TV prog Judge Rinder yesterday because the only way any insurer would insure it is if person 2 lied to them stating it was their car

Judge Rinder is (almost) entertainment, not law.


( He's not even a real judge y'know )

[jayemm89]

As long as you clearly explain the ownership situation to the insurance company, and they clearly understood it then there shouldn't be a problem.

I don't think you can have two insurance policies on the same car, although I could be wrong.

Insurance companies record EVERY phone call you make to them, and if you want to use Judge Rinder as a basis for law - if you explain to the insurers what you are doing, truthfully and honestly, and they agree to insure you, but they shouldn't have, then it is their problem to deal with in the event of a claim. You are not meant to be informed of insurance law, they are.

[marshalla]

jayemm89 said:

I don't think you can have two insurance policies on the same car, although I could be wrong.

You can. That's how day insurance for test drives works - the key thing is that the risk is different.

Getting two policies for the same risk is much harder.

[jayemm89]

marshalla said:

You can. That's how day insurance for test drives works - the key thing is that the risk is different.

Getting two policies for the same risk is much harder.

Sorry, you're right - I meant the same individual can't be insured twice... at least I think that's the case

[marshalla]

jayemm89 said:

Sorry, you're right - I meant the same individual can't be insured twice... at least I think that's the case

That's a business decision, though. AFAIK, there's no reason, in law, why you shouldn't have multiple policies for the same risk - it just gets complicated when you have to claim on them.

[Vaud]

jayemm89 said:

Sorry, you're right - I meant the same individual can't be insured twice... at least I think that's the case

They can be.

[TooMany2cvs]

R0G said:

...I ask because this was deemed illegal on the TV prog Judge Rinder yesterday...

Riiiiight.

[98elise]

R0G said:

This is not a lease car and I ask because this was deemed illegal on the TV prog Judge Rinder yesterday because the only way any insurer would insure it is if person 2 lied to them stating it was their car

"Judge" Rinder carries as much weight as Jeremy Kyle

Of course someone can insure a car they don't own. Its up to the insurer what they will and will not insure, and as long as it meets the legal minimum required by law then its ok. There is no law saying you must be the owner or keeper.

My partner insures our family car and it says on the insurance that she is neither the owner or the keeper.

Its insured that way as its the truth. I own it, and am responsible for it, but she drives it more than me so she is policyholder.

Edited by 98elise on Tuesday 19th January 12:21

[98elise]

marshalla said:

jayemm89 said:

I don't think you can have two insurance policies on the same car, although I could be wrong.

You can. That's how day insurance for test drives works - the key thing is that the risk is different.

Getting two policies for the same risk is much harder.

I'm currently teaching my son to drive. He has his own separate learner policy on my car. It was a requirement of the policy that I also had my own insurance on it.

When he is driving its on his policy, when I am driving its on my policy.

[TA14]

98elise said:

R0G said:

This is not a lease car and I ask because this was deemed illegal on the TV prog Judge Rinder yesterday because the only way any insurer would insure it is if person 2 lied to them stating it was their car

"Judge" Rinder carries as much weight as Jeremy Kyle

Of course someone can insure a car they don't own. Its up to the insurer what they will and will not insure, and as long as it meets the legal minimum required by law then its ok. There is no law saying you must be the owner or keeper.

My partner insures our family car and it says on the insurance that she is neither the owner or the keeper.

Its insured that way as its the truth. I own it, and am responsible for it, but she drives it more than me so she is policyholder.

Same here; I own, maintain and am on the V5 for all of the cars in our household. My wife insures and drives one and never has any problem insuring or getting quotes - as above, simply explain the situation to the insurer.

[romeogolf]

R0G said:

If person 1 owns a car and has it registered to them but does not have it insured can person 2 who does not own a car insure that car for person 2 to drive it ?

OR

Can person 1 retain legal ownership of the car but have the registered keeper as person 2 so person 2 above can insure it ?

Yes. You simply state, on the application, that you are not the registered keeper.

Legal ownership and registered keeper are different things. You can register a car in your name, but not own it (such as a lease).

[BarbaricAvatar]

Just for my own amusement.

So if Lad1 bought an Evo3 for £x and Lad2 paid £x insurance, would both Lad's be allowed to drive the car as it is owned by one of them and insured? Or would Lad1 not be allowed to drive it because the insurance policy isn't in his name?
What if Lad1 was named on Lad2's insurance?

[marshalla]

BarbaricAvatar said:

Just for my own amusement.

So if Lad1 bought an Evo3 for £x and Lad2 paid £x insurance, would both Lads be allowed to drive the car as it is owned by one of them and insured? Or would Lad1 not be allowed to drive it because the insurance policy isn't in his name?
What if Lad1 was named on Lad2's insurance?

Scenario 1 : Lad 1 not allowed as not insured. (but won't show up as uninsured on ANPR)
Scenario 2 : Lad 1 possibly allowed but it might be fronting, depending on who drives it the most.

It's no different to buying a car which your chauffeur will drive.

[pits]

Just tick the box that says "no" to "Are you the owner/registered keeper of the vehicle"
Insure car
Drive car.

[R0G]

Thanks all

[Kateg28]

It is all down to insurable interest.

If I borrow your car and stuff it into a tree then I am responsible for paying you money to repair or replace it (although as I am a female I am more likely to hit another car in a car park cos I didn't see it as I was applying my lippy ), I therefore have an interest in the car and can insure it.

You can insure it multiple times, as many times as you want and you will pay premiums for all of them but you can only claim once otherwise you are profiting out of insurance and it goes against the principle of indemnity. You might get away with claiming multiple times but if caught it is fraud and dealt with severely.

[V8RX7]

Whilst I hate to disagree....

Try it - I have tried to do this several times with multiple insurers and they all say no.

My sister comes over from OZ and she cannot insure one of my cars in her name.

They say that you cannot insure something you don't own - which kind of makes sense - if I insure your house and then set it on fire - why would I get an £XXX cheque ?

Either I have to add her to my policy or I have to sell her a car.