Disqualified driver loaning their car to other person during ban

[cathymanners]

My friends son has been disqualified from driving for 6 months. He has offered to lend his car to my friend for the duration of his ban. He is the registered owner of the car. He has cancelled his insurance. Can my friend insure herself on his car, with him being the registered owner. If she were to get a speeding fine whilst she was borrowing the car, would the authorities think he was the driver? Does the car need to be registered to her?

[BillyNoMates]

No reason why the car cannot be insured by your friend - the insurance company will ask if she is the registered keeper.

However, any speeding or other traffic violations would be referred back to him. That is unless it is something which has person to person intervention at the time - eg. being stopped for speeding by a Police Officer.

[Ethel]

There will be no problems at all with this.

Should your friend incur any motoring fines or penalties the registered keeper will simply give the name and address of the person driving at the time of the offence on the Notice of Intended Prosecution.

It is very common when a person has been banned.

[wduk2005]

tescos wont insure on someone elses car unless you kick up a fuss about it and say that someone you know very recently done the same thing

[JudgeJ]

Your friend may well have difficulty insuring his son�s car. This is particularly so if he wants anything other than Third Party only insurance (which few companies offer these days anyway).

The insurers will need to be satisfied that he has a �financial interest� in the vehicle (something which he strictly does not have). This is because, in the event of it being stolen or otherwise written off, the insurers will be liable to pay your friend (their policyholder) for its loss and not the owner. Taken to an extreme, I could take out insurance on my neighbour�s Ferrari, arrange for it to be stolen, and then claim for its loss on the policy I have taken out. In principle you cannot generally insure something that is not yours.

The insurers will also want to know why the owner and registered keeper of the vehicle are not one and the same and may be reluctant to issue a policy when they find out the circumstances. I am not saying your friend will be unable to insure his son�s car but, despite what has been said, it is not straightforward.