Can you insure a car if your not owner or registered keeper?

wannaberich41

Hi
my son has a car on pcp and has just got banned from driving.   He and his dad work in the same place so we thought we could insure the car in my husband’s name.  I’ve tried 3 sites and they appear to not allow it.
we don’t want the car to be dormant and would like to insure it for my husband to drive. 

But as it’s in pcp, my sons registered keeper but not driving.  What can we do to insure this car please?
no critical comments please. 

Car_54

Is your son really the reg. keeper? If he is, the easy answer is to make Dad the keeper.

However, I suspect that the finance company is the RK.

Grumpy_chap

It is quite possible to insure a car where neither the owner or RK.  I have my wife's car insured in my name (as I am now the main driver of the vehicle) even though the owner and RK is my wife.  Easy to do via comparison sites, they have a question for that - at least the meerkats do.

BOWFER

Car_54 said:

Is your son really the reg. keeper? If he is, the easy answer is to make Dad the keeper.

However, I suspect that the finance company is the RK.

With PCP, you are usually the registered keeper and you get the V5 (so you roadtax the car every year)
But you're not the legal owner.
With lease, you are neither and you never get the V5 (so the lease company arranges the roadtax every year).

Herzlos

I've insured cars whilst my parents were the registered keeper/owner at a different address and it was fine, so I don't see why you couldn't do the same with a childs car.
You may need to phone some insurers and ask, or try a broker. I was using Admiral at the time.

AdrianC

There's clearly going to be a suspicion of fronting where the son is the RK and/or finance customer, and the parent insuring.

JamoLew

The car I drive is actually registered to my wife and she is the registered keeper and vice versa (long story)

The insurance "form" just usually asks are you the registered keeper - to which I answer No

Not had any issues, but then we are married and both named drivers on each others policies as well

jimbo6977

You should be able to insure for the father to drive that car as long as it's made clear to the insurer that the owner is someone else (son or finance company as appropriate). You might be best speaking to a human broker. 

tr7phil

AdrianC said:

There's clearly going to be a suspicion of fronting where the son is the RK and/or finance customer, and the parent insuring.

Not really, as the son won't be a named driver as he currently has no licence!

Aretnap

Grumpy_chap said:

It is quite possible to insure a car where neither the owner or RK.  I have my wife's car insured in my name (as I am now the main driver of the vehicle) even though the owner and RK is my wife.  Easy to do via comparison sites, they have a question for that - at least the meerkats do.

Most insurers will actively not give a toss where it's a husband insuring a wife's car, or vice versa. They are often more fussy when it comes to parents/children, or more distant relatives, but it should still be possible to find someone willing to insure it with enough searching.

Thinking out loud, if the son's ban shows up on their databases they may be very reluctant to insure the car due to the risk that the parents are only insuring it so that it shows up as insured on the MID, and the son will continue driving it despite being banned.

Jasonh2015

If you’re son has lost is license and not the owner of the vehicle you’ll struggle to get insurance. Insurers want someone to have insurable interest in the vehicle (monetary interest) the PCP company might also object to you insuring the vehicle, it might go against the PCP contract. Insurers do care who owns the vehicle and who they’ll have to pay in the event of claim, they also pay out market value, so if there’s not enough payout and the vehicle is written off, there might be a costly bill.