car insurance help insuring car for friend

shely33

hi, i have just bought a car which i want my friend to use to drive me around as i am disabled..i cannot drive myself and friend has not got a car or any insurance ,,so how do i go about getting the car insured for just my friend to drive,,can any one help please as i have never had a car before..thanks

raskazz

shely33 wrote: »

hi, i have just bought a car which i want my friend to use to drive me around as i am disabled..i cannot drive myself and friend has not got a car or any insurance ,,so how do i go about getting the car insured for just my friend to drive,,can any one help please as i have never had a car before..thanks

Find a broker. They should be able to sort you out with a policy in your name which excludes you from driving but allows your friend to drive. Although if your friend has no motoring history at all apart from holding a licence then it probably won't come cheap I'm afraid.

Have you looked into Motability?

McKneff

could the op not insure his car in his own name and have the other person as a named driver.
My OH is the main policy holder for our car but i am the principal driver, in fact he doesnt drive at all now.

raskazz

McKneff wrote: »

could the op not insure his car in his own name and have the other person as a named driver.
My OH is the main policy holder for our car but i am the principal driver, in fact he doesnt drive at all now.

Yes, they could - as I mentioned above! But of course the policy would have to exclude the policyholder (i.e. the OP) from driving as they cannot drive; as such, it's not the sort of thing that the comparison sites/direct writers will be able to accommodate.

dogbot

as such, it's not the sort of thing that the comparison sites/direct writers will be able to accommodate

Sorry but I must disagree, at least about the direct writers bit. Plently of peopel insure vehicles they don't own - teenagers insuring cars purchased by their parents for example.

The OP and their friend can obtain a quote for a policy in the firends name but just be sure to declare that the friend doesn't own the car. There is usualy a tick box to say you own the vehicle or not on a web quote or you can just call a few insurers up.

If it were me I would do this: Call a couple of brokers for a quote. Once you have those go on a couple of price comparison websites and run quotes for the friend as the policy holder - if possible declare that they don't own the car in the search but if not given the chance then don't worry. Telephone the top 3-5 quoters that come up for a full quote, explaining the full ownership details clearly.