Hello,

Might sound like am trying to con the insurance people but I'm not.

My partner has a car which is not worth fixing, its a 206 with a goosed rear axle and really not worth the hassle repairing it.

I have kindly let her have my pride and joy if she insures and taxes it, but its under my name.

Is there any way round this for her to drive the car whilst its still under my name instead of changing owners of the car to her name just so she can insure it?

Any help will be much appreciated.

Does it definitely have to be registered in her name for her to insure it? I'd check this first.

Otherwise, insure under your name with her as a named driver, unless your insurance is ridiculously high? You can then make her the main driver, and you the second driver

Hello,

Might sound like am trying to con the insurance people but I'm not.

My partner has a car which is not worth fixing, its a 206 with a goosed rear axle and really not worth the hassle repairing it.

I have kindly let her have my pride and joy if she insures and taxes it, but its under my name.

Is there any way round this for her to drive the car whilst its still under my name instead of changing owners of the car to her name just so she can insure it?

Any help will be much appreciated.

Should be no problem as she has an "insurable interest" i.e is she wraps the car its her cost. I insurer "my" leased car so don't see the difference.

On line quote systems may not be able to quote but a phone call to explain why you are insuring a car you don't own should clear this up.

I think admiral even ask who owns the car online - as do a few comparisons sites, so guessing they have no issue with it. I know my parents who only have 1 car swap it around each year to preserve the NCBs, but never change the logbook/ownership.

It's different with a partner though I guess to a young/inexperienced driver.

If she is the main driver then the insurance should be in her name - the insurance companies have become very definate on the matter in recent years. There should be no problem with you being the registered keeper of the car - most insurers don't ask who owns the car, they only care about who is driving it.

The missus is currently driving around in a car that is in my name that insured with her as the main driver - it worked out more expensive than insuring it in my name but she is using it for commuting and needs to build up her own no-claims (adding me as a named driver dropped the premium by £200 )

Hello,

Might sound like am trying to con the insurance people but I'm not.

My partner has a car which is not worth fixing, its a 206 with a goosed rear axle and really not worth the hassle repairing it.

I have kindly let her have my pride and joy if she insures and taxes it, but its under my name.

Is there any way round this for her to drive the car whilst its still under my name instead of changing owners of the car to her name just so she can insure it?

Any help will be much appreciated.

Hello

So are driving the car also??

If you are, just add her name to your insurance policy.

Let her pay you and you get the road tax and let her pay her share for insurance, if there is any additional cost.

If you are not driving the car also, then when filling-out insurance policy make it clear she is the policy-holder and only driver,

but your name as the legal owner.

My insurance is far too much due to convictions etc.

I'm not insured on the car that I was going to give her, its just sitting in my garage, I got her to call her insurance that said if she isn't the registered owner than she cant get insured on it.

I just don't want to be passing the car + registration docs onto her to take it back in a few months while she gets enough money to buy a car.

I was even thinking on me swapping cars about so she gets the vRS and I take the other car but I like it too much!

I got her to call her insurance that said if she isn't the registered owner than she cant get insured on it.

Then phone another insurance company becausr this lot are talking B@ll@cks. I worked as an insurance agent for a while (NFU Mutual) and can assure you that she can insure it.

All standard policies that I have had do state the the policyholder must be the registered owner, the online quotes now have a number of "Assumptions" stating this. As Slider says then a phone call is a must to get the policy as you want it. As your "Partner" will be the main driver but does not own the car then the number of insurance companies that will give you a quote will be limited, you'll have to ring loads of them to get a couple of competative quotes.

Magic, cheers for all your feed back.

I have contacted Dan at Adrian Flux who is going to arrange a call back and hopefully they could give me a good deal along with letting her be the main driver and not having to own it If not I will have to search a few other places.

After a bit of Google'n....

"Most car insurance companies will insist that the policy holder be the registered keeper to keep things simple and will not quote for cases where they are different. By law, the policy holder does not need to be the registered keeper but you will be narrowing your choices of insurers if you are in this situation."

Al.

nah lot of rubbish!!

ive been banned for a year...

so through admiral i made the partner the main driver, although i am still the registered keeper... i asked them and there is no problem doing it this way..

you dont need to be the registered keeper to be the main driver

Have Googled it and it is quite legal to not own a car but allows someone else get insurance on it.

However any speeding fines etc or the road fund license form will be sent to the legal owner.

Insurance companies do pick and choose and pay attention to speeding offenses etc of the proposed driver.

Good luck.

After a bit of Google'n....

"Most car insurance companies will insist that the policy holder be the registered keeper to keep things simple and will not quote for cases where they are different. By law, the policy holder does not need to be the registered keeper but you will be narrowing your choices of insurers if you are in this situation."

Al.

I currently, and have done for many years worked for a broker and this is exactly as I view it in the market.

Put simply some will, some won't and if your lucky the cheapest will.

Cheers

Just done a compare the meerkat quote as "my" leased car is up for insurance renewal at the end of the month. The quoting process on there give you the option to state that you are not the owner and/or registered keeper of the car.

Played around both ways and it made little difference to the quotes.

Incidently the cheapest quote was £282 against my renewal quote from NFU mutual at £297 both for a one off payment BUT if going for monthly payments the difference over the year the quote from Chaucer Direct was £30 more as NFU only charge interest at 2.7% APR - reckon i'm staying with the company I know and trust - I can pop into the local office if I need to discuss anything, they don't charge my if I need to put a courtousy car on ocassionally and don't charge to update details mid year.

Weird thing is SWIMBO was with them and got a quote for her CRV from Saga (showing my age now) that was £250 less! Probably partly due to teh fact that she has her 85 yo father as a named driver.

Edited 6 May, 201115 yr by slider