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Car Insurance

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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  :wink:  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:

--- Quote from: "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?

--- End quote ---


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.

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