Can I drive my wife's car on my own policy?

majorwally

Crikey, I am really confused now.

OK, we are buying a new car, hopefully trading in old one (owned, registered & insured by me as I'm the only driver at moment).

New car will be owned by wife.
We would like for personal reasons for her to be the registered keeper of the new vehicle, which then gives her total control of everything financial about it.

Now this is where I'm getting confused and please forgive me if you guys have already explained, but how do I go about insuring it?

tykesi

You phone up an insurance company (or use comparison sites as that's the MSE way) and you get quotes for both of you, her as main driver, you as a named driver.

Simples!

bryanb

Registered keeper and owner can be different people if that helps.

Iceweasel

majorwally wrote: »

Crikey, I am really confused now.

OK, we are buying a new car, hopefully trading in old one (owned, registered & insured by me as I'm the only driver at moment).

New car will be owned by wife.
We would like for personal reasons for her to be the registered keeper of the new vehicle, which then gives her total control of everything financial about it.

Now this is where I'm getting confused and please forgive me if you guys have already explained, but how do I go about insuring it?

This translates completely differently from your opening first post.

In the first post it appeared that you wanted to drive your wife's car in addition to your own.

There is no problem whatsoever with this new clearer explanation.

You are selling the old car - your wife is buying the new one. Yes? No overlap.

Your wife will be the owner/registered keeper of the new car. You just transfer your current insurance to the new car - as has already been said you can easily insure a vehicle which you don't own.

You then add your wife as a named driver.

BeenThroughItAll

majorwally wrote: »

We would like for personal reasons for her to be the registered keeper of the new vehicle, which then gives her total control of everything financial about it.

Being the registered keeper in no way implies any financial control/tie to the vehicle. It is NOT a certification of ownership...

Iceweasel

BeenThroughItAll wrote: »

Being the registered keeper in no way implies any financial control/tie to the vehicle. It is NOT a certification of ownership...

I would agree - the OP's wife would be best to pay or arrange finance for the car completely in her own name.

The receipts / finance agreement would then be in the wife's sole name and as far as I would believe that would prove the wife's ownership of the vehicle.

The name on the V5C is a secondary issue - but in this case it would be the wife's name on it surely.

Joe_Horner

dacouch wrote: »

[...]If the other car does not have it's own Insurance, the registered keeper may fall foul of the continuous insurance law

The OP also has a real risk of being pulled over repeatedly, and many traffic plod still seem to think that all DOC cover needs the car to be insured in its own right. It's also not unknown for the insurers' call centres to get that bit wrong if they phone up to check. So a fair chance of having the car seized and having to sort it out afterwards.

Herzlos

Joe_Horner wrote: »

The OP also has a real risk of being pulled over repeatedly, and many traffic plod still seem to think that all DOC cover needs the car to be insured in its own right. It's also not unknown for the insurers' call centres to get that bit wrong if they phone up to check. So a fair chance of having the car seized and having to sort it out afterwards.

It'd show on ANPR as uninsured even if DOC didn't require insurance, so why wouldn't they pull it?

Also, if it's not got its own insurance, it'd become uninsured as soon as you got out of it, no?

vqmismatch

I really struggled to get quotes as a main driver and not the registered keeper. In the end we registered me as the keeper in order to get sensible quotes.

dacouch

Joe_Horner wrote: »

The OP also has a real risk of being pulled over repeatedly, and many traffic plod still seem to think that all DOC cover needs the car to be insured in its own right. It's also not unknown for the insurers' call centres to get that bit wrong if they phone up to check. So a fair chance of having the car seized and having to sort it out afterwards.

Just carry the relevant Certificate of Insurance and sue the police for wrongful interference with property for damages along with any oter costs associated with getting the car out of the pound