Direct Line Insurance - Registered Keeper

[Keldemebeh]

Hi,

I am running a car insurance quote for my lease car through Direct Line. Audi are the legal owner and registered keeper of the car, I am the main driver

The 'policy assumptions' state that:

The vehicle is owned and registered by you, your spouse, partner or civil partner (not business partner), by your parent, employer, or a lease company. Your documents will state that the policyholder is the legal owner and registered keeper of the vehicle

So my questions are:

a) Will they insure my lease car?
b) What happens if I'm pulled by the police? My documents will say that I am the legal owner and registered keeper, when I'm not

[Jonno02]

I asked them via their live chat and they said if it's a lease car and you're not the registered keeper; the insurance company is, you're still insured and above board. It's just how their system works.

[w8pmc]

As far as i've been told when running a CH vehicle, you just answer the questions truthfully.

If you've leased it, you're NOT the legal owner & you're NOT the reg'd keeper so just state that. Be warned your premiums will likely be a fair chunk higher as i assume the Insurers feel you driving a car that's not actually yours is a greater risk, which in some cases is probably correct.

Not sure i understand the comment below your original post as it appears to differ from what i've been told, yet clearly doesn't makes sense given if you answer an insurers question dishonestly then you're playing a dangerous game of roulette.

I should add, by fair chunk i mean around the 25-30% more expensive, or at least it was when i last looked about 8 months ago.

Edited to say i may have misunderstood both your post & the first reply.

You can of course insure a car that you're not the legal owner or reg'd keeper of, however you have to state that at quote stage & the premium will be higher than if you were.

Edited by w8pmc on Monday 15th May 14:02

[BenjiS]

Just ring them and tell them. Their web quote can't cope with it but they will do it. Last year I insured a car owned by my wife. She is owner and registered keeper, I was main driver and policy holder. DL just issued an amended schedule stating that and it cost about 8 quid more than if I was owner and registered keeper.

[RushDom]

I'm with Direct Line. I had this situation last year on my car which is on a PCH - had to phone them up to complete the transaction. Was perfectly straightforward - didn't cost me anything extra.