Car Insurance

[shiznit]

Is it legal for someone to insure a car that is registered to someone else. For example, the car is in my name but my father would be the insured one with me as an additional driver?

Thanks

[Toureman]

The person who's name is on the registration certificate is the vehicles keeper, not necessarily the owner.

So go ahead, your father could be the owner and have insurance for the car.

[shero101]

I greatly respect Toureman's answers but I have heard differently. Check with the insurance company but I tried this a while ago when I tried to insure my father in laws car. They may it very clear that the owner/registered keeper had to insure the car.

[wee-janine]

It is legal to do this. I know this because a couple of years ago my husband took out the credit agreement onhis car, he got paid more. However I had a greater no claims bonus so I insured the car. He was listed as the main driver. I then got a smaller car,registered in my name, and he insured it, with me as the main driver.

[shero101]

I stand corrected but it doesn't make sense to me as it means if you insure a car that isn't yours and it gets written off then the payment would come to you and the owner would get nothing. Good luck though if this works as it means a young driver could own a car and could build up no claims as a named driver if one of the parents has a policy for it which would be a lot cheaper than a young driver policy. I assume this shiznit's situation.

[shiznit]

Thanks guys, I hope it is legal in the end. The reason is I ask is, I have just finished a driving ban, I was over the limit the day after a night out, and I am now looking for ato buy a BMW as I had before the ban, most insurance companies will not touch me even though I had, and still do not have any points and have never been in trouble with the law before.

I find it a bit annoying that there are no levels of DUI, as I was only just over the limit and if I had not been hit by someone else in an accident, it would been no problem. I am treated though, the smae as someone who had delibrately driven after dinking.

Don't judge me too harshly, I know that drink driving is a serious offence, and it was stupid of me to drive after a night out, I can assure you all that it is definately something I will not be doing again.


Thanks for all your answers

[Gef]

shiz, whatever you do you will have to declare your ban to the insutance company (they will probably know anyway). I am just pointing out that any offence, by the insured or a named driver, must be declared.

[shiznit]

Thanks Gef, I am aware of that mate, that is the reason for the question, I told the insurance companys and like I said they wont touch me, hence that is why I am looking for someother way to insure the car.


It will have to be a ford KA otherwise, bit of a come down me thinks, thanks for your answer though.

[Gef]

Sorry shiz if I am being a bit stupid but if they won't cover you as the main driver why would they cover you as a named driver?

[shiznit]

Thats ok mate, if I was the sole driver or main insured they will not insure me or to put it better give me a quote, some will however but at avery inflated rate.

If my Dad is down as the main driver or main insured and I am merly an occasional user (honest copper), it is alot more affordable, believe me. just not sure about the legality of it thats all

Hope this clears it up

[kramer81]

if you trust your dad why don't you just buy the car but put him as the registered owner and avoid the suspicion if you ever need to make a claim

[shiznit]

That is the next option if this turns out to be not quite legal, I do trust my Dad, but he being the registered keeper can cause a few problems as well,


Thanks for your answer

[Gef]

Thanks for your honesty shiz. I have often added my son to my policy as a named driver and never been asked how often he would be driving the car. Seems like a bit of a grey area.