Car Insurance

[ian_s]

I have just been told by my car insurer that it is illegal to insure a car that you are not the registered keeper of. can anyone tell me if this is true?
i know it might be against the policy of the insurer, but i didnt think it was actually illegal to do.

what i was trying to do was insure my girlfriends car for me to drive for a few days next week. her insurance is transfering to a newer car on monday, and her insurers refused to cover her on two cars, but we still need to be able to drive the old car until we actually pick up the new one. if that makes sense.
the problem comes in that i am not the registered keeper, and its not worth registering it under me for 3 days.

thanks
ian

[Sider]

How about delaying the transfer until the day when you do the vehicle handover?

I did that when we bought the Freelander, the insurers sent me a cover certificate for the freelander starting on the day we were to pick it up, and kept the old mondeo covered until the end of that same day.

[ian_s]

well, they refused to cover swmbo on more than one car, and we need the new car covered so we can tax it before we pick it up. but we also need to be able to drive the old car to the garage so we can part X it.
i hate insurers (no offence, Barry)

[muddysteve]

its situations like this where you can see why people drive uninsured

when i pick up new cars i've not got a problem on my concience driving them home without tax and using the drive anyother car clause on my policy

if you get pulled over with no tax and youve just brought the car and can prove it most plod will tell you to get some tax asap and leave it at that as long as its got an mot and some sort of insurance

Steve

[TUFFTEE]

Ian!
        You need to talk to   barry scott  the mud-clubs resident insurance guru! For Advise!
He could also give you a very competative quote?

[Sider]

As I said, Ian, when we bought the freelander, our insurer gave us a covering certificate that started on the day we were collecting the car, and Land Rover did the tax using that.

I am not sure they are legally allowed to refuse you that, unless they refuse you insurance. You may want to fish around, and come back to them saying "I have found a better quote, and I am bugging out"

In our case, the insurer was Direct Line, might be worth having a look at their online quotes.

[Barry Scott]

Just noticed this before I left for the Essex meet, so I cannot respond to any further enquiries till later.

I am not aware of it being illegal to insured a car not registered to you, and I think we have done it when it is in the spouse name.  However many insurers (ours included) cannot insure a car you do not own for the reason of no insurable interest.

Basically you do not own the car so when it is stolen/crashed, you suffer no loss.  As the policy holder, they can only pay you, so if they were to do so you walk away with £10,000 (or whatever the value) and the owner is left with nothing.

With spouse I think they do it due to the what's mine is yours and what's yours is yours    situation.

They may allow her a "Temporary additional vehicle", this would usually come at a charge and allow her to add the old car on for a period of time.

Hope this helps and makes sense (rushed it as I need to leave soon).

[Bush Tucker Man]

I have just been told by my car insurer that it is illegal to insure a car that you are not the registered keeper of. can anyone tell me if this is true?

We do this, as the Fabia is really a 'spare car'.

The mother-in-law has insured it in her name, as she uses it for shopping, school-runs (if we're not free), etc..
It's registered in my wifes name
I drive it on my insurance under the '3rd Party' clause (as I'm driving it with both the registered keepers & the insurance holders blessings)

[ian_s]

my landrover is insured with direct line, and they told me it was illegal to insure the car that my girlfriend is a registered keeper of. direct line have, in the past, insured both vehicles at the same time, but that was when i was the registered keeper of both cars.
the other insurers (i'm not going to name them) have refused point blank to cover both vehicles, even for just a few days.

i'm gonna try again tomorrow, in the hope that today i just got someone who was an idiot.