Insurance on borrowed car after write-off

Foxy-Stoat_3

I would say to Churchill you have now purchased it, dont fill in the V5 but maybe wright a receipt out and keep a copy......if there has been no claims when you have finished with the car then hand back the car and V5 and tear up the receipt.

If you need to make a claim for any reason , then fill in the V5, get your Gran to sign it, and back date it and take a photocopy. Once it is apparent that its been "lost in the post" then you can produce the receipt and copy of the completed V5 in-case the insurance company get funny.

Normally an insurance company wont insure a car that the policyholder doesn't own or registered to them unless its a partner/spouse. Churchill's policy is the norm as in a total loss claim the payout who gets the payout, the legal owner or policyholder? Obviously if its subject to a HP agreement then its fine.