Yes, you can take out an insurance policy on a car that’s already insured by someone else. In the UK, this type of cover is known as non-owner car insurance. However, where possible, it’s usually cheaper to add yourself to the car owner’s existing policy as a named driver, as insurers can offer a discount for this.
Can someone be insured on a car they don’t own?
You can buy a car insurance policy if you don’t own a car, but plan to drive another vehicle. A non-owner car insurance policy will provide liability coverage for injuries or damages you cause in an accident.
What is non-owner car insurance called?
Non-owner insurance, also called non-drivers insurance, provides liability coverage for bodily injury and property damage when you are driving a vehicle you do not personally own.
Can I drive a car if my name is not on the insurance UK?
It might be an emergency or you may have permission from the car owner, but that doesn’t mean it’s legal. Unless you’re a ‘named driver’ on their car insurance, you almost certainly won’t be insured. And both the driver and car owner can run into trouble if caught without the necessary cover.
Can I insure a car not owned by me UK? – Related Questions
What insurance do I need to drive someone else’s car?
The car you want to drive must be covered by an existing insurance policy and you must have permission to drive it. Driving other cars cover is usually only available on a comprehensive car insurance policy, so if you have third party (or third party, fire & theft) cover, you won’t be covered to drive any other cars.
Can a car be insured under a different name?
Does your car insurance and registration have to be under the same name? Insuring and registering your car under different names is allowed in most states. But in those states that allow it, insurers still might not underwrite a policy to a name different than that of the registered vehicle owner.
Can you drive someone else’s car without being a named driver?
‘Driving other cars’ is a clause in your policy that allows you to drive someone else’s car without being a named driver on their policy. Driving other cars cover is really only intended for emergency situations. For example, if your friend or family member needs to go to hospital.
What happens if someone else is driving my car and gets in an accident UK?
If someone else is driving your car and another person causes the accident, the at-fault driver’s insurance is usually responsible for covering costs. On the other hand, if the driver of your car is at fault, your car insurance will usually cover damages.
Can my friend drive my car UK?
Can I get insurance for anyone to drive my car? An ‘any driver’ insurance policy allows anyone to drive your car at any time. There’s no limit to how many people can drive the car, so any friends or family, who have your permission, are legally insured to drive it.
Does the registered keeper have to insure the car UK?
A car’s registered keeper isn’t always its owner. It’s whoever is named on the DVLA registration certificate. You may be the registered keeper of your company car, for example. If you’re not the car’s main driver or registered keeper, you’ll need to make sure you’re covered to drive it.
What is the difference between registered keeper and owner?
The owner is the person who bought the car or the person who has been gifted the vehicle. The registered keeper is the main user of the car. A company car is a common example of when a registered keeper and owner are different. The company owns the car and the employee who drives the car is the registered keeper.
Can I be the registered keeper of a car but not own it?
It is a common misconception that the registered keeper of a vehicle as listed on the vehicle’s V5C registration document is the legal owner of the vehicle. In fact the registered keeper is not necessarily the owner of the vehicle and the V5C document is not proof of ownership.
Can my parents insure my car?
If you’re driving your parents’ vehicle, staying on their insurance policy is not an issue. However, if you move back in with your parents and bring a car that’s registered and titled in your name, you can decide to insure your vehicle on your parents’ policy or purchase your own policy.
Can I insure my daughters car in my name?
Yes, but only if you’re the primary driver of the car. Find out your options. Updated Jan 11, 2022 .
Can I insure my daughters car if she doesn’t live with me?
No, you cannot add someone who doesn’t live with you to your car insurance in most cases. College-aged students who aren’t living at home but still use their parents’ home as their permanent address are the biggest exception to this rule.
Can I insure my car at my parents address?
Unlike health insurance, you don’t age out of car insurance, so you can stay on your parent’s insurance or use their address for insurance as long as you still live with them.
Does your car insurance address have to match your registration UK?
You’ll also need to update the DVLA when you change address (or you could get a £1,000 fine). Just like your name, the address on your driving licence needs to be the same as the address on your car insurance policy.
What happens if you insure your car at a different address?
“Failing to notify your insurer of changes to circumstances, including address, could actually result in you being refused when claiming on your insurance. This is due to car insurance premiums fluctuating depending on area,” Matt Oliver, a spokesperson for a leading car insurance comparison site said.