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

[TooMany2cvs]

V8RX7 said:

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

I suspect the problem is largely that she's not UK resident and doesn't have a UK licence.

[V8RX7]

TooMany2cvs said:

V8RX7 said:

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

I suspect the problem is largely that she's not UK resident and doesn't have a UK licence.

No she has dual citizenship and licences.

I've had the same problem with my wife - she can only drive my cars using her 3rd Party Cover - which means my car is at risk,

[98elise]

V8RX7 said:

TooMany2cvs said:

V8RX7 said:

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

I suspect the problem is largely that she's not UK resident and doesn't have a UK licence.

No she has dual citizenship and licences.

I've had the same problem with my wife - she can only drive my cars using her 3rd Party Cover - which means my car is at risk,

There must be something more to it than that. My partner has insured our family car for 10 years with no issues. And my son has just insured my daily driver in his own learner policy (as well as me having insurance on it). I am the owner and keeper of both vehicles. The insurance documents simply say the insured is not the owner or the keeper.

My partners insurance is Direct Line if its any help.

[jayemm89]

It's probably like finding an insurance company to insure an 18 year old on a Lamborghini.

Nothing in PRINCIPLE says it can't happen. In practise, however...

[TwigtheWonderkid]

jayemm89 said:

It's probably like finding an insurance company to insure an 18 year old on a Lamborghini.

Nothing in PRINCIPLE says it can't happen. In practise, however...

In practise, however...not that hard. Specialist Lloyd's broker will get it done. A silly excess so really you're paying to the tp risk.

Recently spoke to an underwriter who had covered a 19 y/o on a BMW M6 in London W2. No doubt he would do an 18 y/o on a Lambo.

[grumpyscot]

If, as Rinder says, you can't do it, then why do people like dayinsure work? I've taken out insurance for my son's car when it's been necessary for me to use it. Also done the same with Dad's car and brother-in-law's BMW M3. On all occasions, I've stated that I don't own the car or are registered keeper. And that's been with LV and Direct Line! On all occasions it's been for a 3 month period while owners have been abroad, and they've all been fully comp. (Did it this way as insurance only covers 3rd party if driving on my own vehicle cover and doesn't cover immediate family.)

[CABC]

V8RX7 said:

TooMany2cvs said:

V8RX7 said:

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

I suspect the problem is largely that she's not UK resident and doesn't have a UK licence.

No she has dual citizenship and licences.

I've had the same problem with my wife - she can only drive my cars using her 3rd Party Cover - which means my car is at risk,

2CV is right.
citizenship or licence is normally irrelevant. only a handful of specialist brokers will insure non-residents.

[shambolic]

When we bought the SLK for my wife it was done in her name and the V5 is in her name.
I organised the insurance so it's my policy with her as a named driver but she is owner and registered keeper. Our CRV for dog duties has me as keeper and insurer.
Was as simple as what box to tick on the form online.
No one questioned it.
Don't see the problem
Insurance might question it more in case of fronting? Which we aren't as although it's her daily for work, 15 mile commute, I drive it all other times when we are out so I'm the main driver if you add up mileage and time in vehicle.

[pits]

shambolic said:

When we bought the SLK for my wife it was done in her name and the V5 is in her name.
I organised the insurance so it's my policy with her as a named driver but she is owner and registered keeper. Our CRV for dog duties has me as keeper and insurer.
Was as simple as what box to tick on the form online.
No one questioned it.
Don't see the problem
Insurance might question it more in case of fronting? Which we aren't as although it's her daily for work, 15 mile commute, I drive it all other times when we are out so I'm the main driver if you add up mileage and time in vehicle.

Won't be fronting though, you're insuring a car in your name but not as the registered keeper, no fronting

[sjj84]

All dependant on individual insurance companies and what they wish to do. Never found it to be an issue between husband and wife though. One of my cars is registered to my wife as I kept it when she got a new car, when insuring it in my name my insurance company said it doesn't matter.

[nodandawink]

I'm in a bit of an odd situation that relates (I think!) to this issue:

I left the UK in March 2014 to work in Abu Dhabi (great roads, cheap petrol, fast cars, disastrously bad drivers). When I left I had 9 years NCB and was insured by Admiral.

I am coming back to the UK in April 2016.

I want to keep my 9 years NCB, but Admiral will only 'hold' it for 2 calendar years. Hence I would stand to lose it if I wait till I return to buy and insure my own car.

I had a cunning plan - I would temporarily insure myself with Admiral, starting in March before the expiry of my NCB but before my return to the UK, for a couple of months, on my mothers car, for which she is insured by another company. She is both the owner and registered keeper. The car would be kept at her address. I would declare this to Admiral. I would then transfer the Admiral policy to (presumably paying a fee to do so) once I had returned to the UK and bought a car.

My question - is this legal? Will an insurer allow me to do this?

My only other option that I can think of that allows me to keep my NCB is to buy a car myself, sight unseen, prior to my return. Can anyone think of another option?

[V8RX7]

nodandawink said:

I'm in a bit of an odd situation that relates (I think!) to this issue:

I left the UK in March 2014 to work in Abu Dhabi (great roads, cheap petrol, fast cars, disastrously bad drivers). When I left I had 9 years NCB and was insured by Admiral.

I am coming back to the UK in April 2016.

I want to keep my 9 years NCB, but Admiral will only 'hold' it for 2 calendar years. Hence I would stand to lose it if I wait till I return to buy and insure my own car.

I had a cunning plan - I would temporarily insure myself with Admiral, starting in March before the expiry of my NCB but before my return to the UK, for a couple of months, on my mothers car, for which she is insured by another company. She is both the owner and registered keeper. The car would be kept at her address. I would declare this to Admiral. I would then transfer the Admiral policy to (presumably paying a fee to do so) once I had returned to the UK and bought a car.

My question - is this legal? Will an insurer allow me to do this?

My only other option that I can think of that allows me to keep my NCB is to buy a car myself, sight unseen, prior to my return. Can anyone think of another option?

Buy a log book - from Ebay / scrap yard and insure that.

Technically illegal but there is no victim.

[CABC]

V8RX7 said:

Buy a log book - from Ebay / scrap yard and insure that.

Technically illegal but there is no victim.

Is that possible?
Once scrapped don't the databases talk to each other? Ie "that reg doesn't exist". or am I be naive!

[V8RX7]

CABC said:

V8RX7 said:

Buy a log book - from Ebay / scrap yard and insure that.

Technically illegal but there is no victim.

Is that possible?
Once scrapped don't the databases talk to each other? Ie "that reg doesn't exist". or am I be naive!

Scrap yards don't tend to register scrap cars unless they have to - V5's have a value.

If you look there is a thread on here reporting Ebay sales of V5s and chassis numbers - it is unfortunately an easy way to legitimize a stolen car.

Equally with scrap being so cheap you can probably buy a whole car cheaper than just a V5 at the minute

[TooMany2cvs]

V8RX7 said:

Scrap yards don't tend to register scrap cars unless they have to - V5's have a value.

You're forgetting certificates of destruction.

[TA14]

nodandawink said:

I had a cunning plan - I would temporarily insure myself with Admiral, starting in March before the expiry of my NCB but before my return to the UK, for a couple of months, on my mothers car, for which she is insured by another company. She is both the owner and registered keeper. The car would be kept at her address. I would declare this to Admiral. I would then transfer the Admiral policy to (presumably paying a fee to do so) once I had returned to the UK and bought a car.

My question - is this legal?

All fully declared so sounds fine to me.

nodandawink said:

Will an insurer allow me to do this?

Not being the owner, registered keeper or main driver I would guess no but who can tell? Call a broker and give it a go. Good luck.

[V8RX7]

TooMany2cvs said:

V8RX7 said:

Scrap yards don't tend to register scrap cars unless they have to - V5's have a value.

You're forgetting certificates of destruction.

I'm not.

I know how it actually works rather than how some office numpty thinks it works

(Meaning the numpty who designed the system, not you)

[nodandawink]

TA14 said:

Not being the owner, registered keeper or main driver I would guess no but who can tell? Call a broker and give it a go. Good luck.

Thanks - I'll try my luck with a broker but am probably going to end up buying something very cheap and very temporary and storing it for a few weeks with the parents, then flogging it on...

What will be easiest to buy and sell over a 2-3 month period with minimal hassle - I was thinking 3-4 year old focus/golf etc, something low mileage... Thoughts?

[pad58]

I gave my Golf to my son, still own it but he insures,taxes and Mot's it .
No problem.

[grumpyscot]

Just yesterday insured my Dads car in my name as main driver with him as secondary (he only drives it one or twice a month during summer). He still owns the car and it's still with him as reg keeper. No problem at all 'swith insurer - even though I already have two other cars (my own & spouses) insured with them.