Technology9 mins ago
does a car have to be registered in your name to be be the main insurer
9 Answers
does a car have tobe registered to you to insure it
Answers
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The vehicle must be taxed MOT'ed and insured to be road legal.
If you do not own the vehicle you must have permission to drive it.
In the case of hire vehicles the owner is the rental company or a finance company and hirers can use thier own insurance or take the rental companies insurance.
Company cars are usually leased and the driver registered as the keeper or the company is the registered keeper.
Technically you could insure any vehicle but I confused by the question.
Why would you insure a vehicle you will not drive? If you are insuring a vehicle to avoid a younger driver paying the correct premium then the insurance could be invalid if a later claim found out who the main user was.
Most insurers have registered and the police can log directly into the register to see who you are insured with and who can drive the vehicle.
Hope this was helpful.
If you do not own the vehicle you must have permission to drive it.
In the case of hire vehicles the owner is the rental company or a finance company and hirers can use thier own insurance or take the rental companies insurance.
Company cars are usually leased and the driver registered as the keeper or the company is the registered keeper.
Technically you could insure any vehicle but I confused by the question.
Why would you insure a vehicle you will not drive? If you are insuring a vehicle to avoid a younger driver paying the correct premium then the insurance could be invalid if a later claim found out who the main user was.
Most insurers have registered and the police can log directly into the register to see who you are insured with and who can drive the vehicle.
Hope this was helpful.
You might want to check with an insurance company. Years ago I had permission to use my father-in-law's car whilst he was out of the country but no insurer would help as they said that you had to own the vehicle to insure it. However, this question came up in this forum a while ago and the consenous was that you could insure someone's car ??!!
The proper answer is that you dont have to own the car or be the registered keeper to insure it, but it helps.....
I employed a driver to drive me after a drink drive conviction, me not him, but it is so hard to get insurance for him, that is, that I put the car in his name, and insurance was easy.
we sort of drew up a letter/document saying that I had paid for the car and he was the keeper.
i hope this helkps
Oliver Dearlove
I employed a driver to drive me after a drink drive conviction, me not him, but it is so hard to get insurance for him, that is, that I put the car in his name, and insurance was easy.
we sort of drew up a letter/document saying that I had paid for the car and he was the keeper.
i hope this helkps
Oliver Dearlove
No it doesnt but like someone says it helps!
Scenario: You buy a car and someone else insures it. You have an accident i.e. you back into the garage door! The person who insures the car may refuse to let you go through their insurance to claim for the damage. Thats why insurance companies dont like this arrangement.
Scenario: You buy a car and someone else insures it. You have an accident i.e. you back into the garage door! The person who insures the car may refuse to let you go through their insurance to claim for the damage. Thats why insurance companies dont like this arrangement.
There are two issues here. Firstly there is the matter of obtaining insurance to comply with the Road Traffic Act (RTA) against Third Party Risks and then there is the matter of insuring the car itself against accidental loss or damage. Insurance companies usually do not differentiate when considering cover, but they may do in certain circumstances, particularly those under discussion.
Generally insurers will ask if the person proposing the policy is the owner and registered keeper of the vehicle. These two do not have to be one and the same but the insurers will want an explanation if they are different before deciding whether to offer cover. This will help them assess the premium and also enable them to detect where proposers are attempting to avoid the proper premium due. Making a false declaration at this stage would almost certainly invalidate the insurance
If the proposer is neither the owner nor the registered keeper it is unlikely that cover will be offered as Peter has found out. They may exceptionally, depending on the circumstances, offer a Third Party only policy. This will enable the vehicle to be driven by a person other than the owner/keeper, but will not provide cover for the vehicle itself for loss or damage. This is because only the owner can be compensated for its loss and the insurers would have no contract (the policy) with him.
In order to insure anything against loss (not only a vehicle) you have to have an insurable interest. Joe Bloggs cannot insure David Beckham�s Ferrari and then claim for its loss when David writes it off or somebody steals it. It is here where the issue of ownership is absolutely paramount.
Some of the earlier answers do not quite address this point - particularly those where spouses are involved. It is not unusual for couples to have, effectively joint ownership of a car (even though only one of them may be the registered keeper) and insurers are perfectly
Generally insurers will ask if the person proposing the policy is the owner and registered keeper of the vehicle. These two do not have to be one and the same but the insurers will want an explanation if they are different before deciding whether to offer cover. This will help them assess the premium and also enable them to detect where proposers are attempting to avoid the proper premium due. Making a false declaration at this stage would almost certainly invalidate the insurance
If the proposer is neither the owner nor the registered keeper it is unlikely that cover will be offered as Peter has found out. They may exceptionally, depending on the circumstances, offer a Third Party only policy. This will enable the vehicle to be driven by a person other than the owner/keeper, but will not provide cover for the vehicle itself for loss or damage. This is because only the owner can be compensated for its loss and the insurers would have no contract (the policy) with him.
In order to insure anything against loss (not only a vehicle) you have to have an insurable interest. Joe Bloggs cannot insure David Beckham�s Ferrari and then claim for its loss when David writes it off or somebody steals it. It is here where the issue of ownership is absolutely paramount.
Some of the earlier answers do not quite address this point - particularly those where spouses are involved. It is not unusual for couples to have, effectively joint ownership of a car (even though only one of them may be the registered keeper) and insurers are perfectly
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