driving insurance

[kwakteam]

hi, i am just willing to know that if i want to setup a insurance policy for my car does the car have to be in my name? and if for example the car is registered to me as the owner and registered keeper but my father has taken out the insurance policy with me as the additional driver and he is the insurance policy holder is this valid? or is the insurance invalid?

[JudgeJ]

The owner and registered keeper do not have to be one and the same. However, if you own and are the registered keeper of a vehicle and your father tries to insure it as you have suggested, it is unlikely he will be provided with cover. The insurers will contend that, as he is neither the owner nor the keeper he has no �insurable interest� in the vehicle. If he tells lies (by saying that he is the owner when in fact you are) in order to obtain cover, the insurers are likely to cancel the policy should they find out. They will almost certainly do this if you have an accident. If they do cancel it, they will cancel it retrospectively and you will find yourself (once again) liable to prosecution for driving with no insurance.