Driving but not registered owner or keeper

[martinbiz]

[quote=Who me ?]Have things changed in the past few years? A few years ago I had insurance on one car, but couldn't afford to tax it or pay for the work needed to pass an MOT. In meantime, daughter had an old car she had no use for and gave it to me. My insurance co would not transfer my cover to the new ( to me) car till I'd transferred RK to my name even though cover was in my name only .
[/quote]
I think yes things have changed, last insurance l renewed they just asked about the main driver, nothing about registered keeper

[Sheepshanks]

Mark V GTD said:

Sheepshanks said:

I've no idea where you're getting this stuff from - if the car is fully comp insured and stolen or written off the the insurance will pay out to its owner, doesn't matter who has insured it. In practice when we had a car in the family written off recently, the insurer (quite annoyingly) immediately put a cheque in the post to the policyholder - there was no check / query on ownership, although they did ask (after the event) for the V5C, which of course may not be in the same name as the owner.

I'm puzzled by this as its seems contradictory. You say 'the insurance will pay out to its owner, doesn't matter who insured it' but then give an example where that did not happen and the insurance paid the policyholder...

How does the insurer know who actually owns the car anyway? - the V5C will only tell them who the Registered Keeper is.

That's my point, they don't appear to, unless you tell them when taking out the policy. I would think they may do a HPI check to see if it's on Finance, but you hear of people being sent the cheque even then.

Maybe there's some kind of assessment made about whether everything seems kosher or not, but in our case there was no asking for the original receipt or any other proof of ownership.

[Sheepshanks]

Who me said:

Have things changed in the past few years? A few years ago I had insurance on one car, but couldn't afford to tax it or pay for the work needed to pass an MOT. In meantime, daughter had an old car she had no use for and gave it to me. My insurance co would not transfer my cover to the new ( to me) car till I'd transferred RK to my name even though cover was in my name only .

Some firms will insure you if you're not the RK and some won't. Some don't even insure leased cars.

[Mark V GTD]

Interesting to see the figures on that. Of course when you use the comparison sites it seems that all the usual suspects offer me quotes for my lease car (that I am not the keeper of) but it doesn't say which companies did not quote for that reason.