Insuring a car not thats not in my name

illmonkey

So i got this car, but its got some dodgy thing with it.

Its a long story.

But does anyone know if its possible to insure a car that isnt registered in my name?

I've phoned a few insurance companys and they said they wont do it but it might be possible. A few people have also told me the same.

So is there any special companys out there?

MarkyMarkD

If it's your car, and you are the person responsible for it, you are legally required to register it in your name.

Quackers

samgoffe wrote:

But does anyone know if its possible to insure a car that isnt registered in my name?

Its been about 9 years since I sold car insurance but unless things have changed the answer is NO - not a hope in hells chance.

mountainofdebt

Hubby had a lease car (so its not his) and he has insurance in his name for this car.

The schedule was marked as him not being the legal owner or registered keeper of the car (don't know what difference this makes though)

So I guess it is possible.

MarkyMarkD

Agreed, mountain, but that's different to it "having some dodgy thing with it". If the car is leased, then it legally belongs to the leasing company and they are responsible for it, even though they aren't actually using it day to day.

mrbadexample

samgoffe wrote:

So i got this car, but its got some dodgy thing with it.

As far as I am aware, you can insure a car that is not registered in your name. When I was a student, my mum replaced her car and "gave" me the old one. She remained the registered keeper (and owner), but I insured it, taxed it, and maintained it. This was in the early nineties, but I don't see why it should be any different now.

I think you need to be a bit more specific....what's dodgy and who is the registered keeper (i.e. their relationship to you).

MarkyMarkD

Mrbad is quite right - family situations are also normally fairly acceptable to most (but not all) insurers.

I've just given my wife my old car, and don't really want to change the registered keeper as it's academic given that we are married and live at the same address. Using https://www.confused.co.uk around half of the insurers listed will not quote, because the car isn't registered in the proposer's name (but the name of her spouse), whilst half don't care.

illmonkey

Thanks for all of you're replys.

Basically my aunt bought the car 8 months ago, they filled out the V5 and she took the new keepers slip.

The previous owner then sent off the change of details form to the DVLA to get it changed into her name.

But, she never recived the new V5 (in her name), but instead she got a letter saying they have with held the V5 and that she needed to book a test to make sure its not a writeoff! So basically the DVLA have reason to belive that the car has been in a accident, possibly marked as scrapped or written off. So they want it tobe checked out.

My aunt just forgot about the letter. Now she has just bought a new car for her self, and tried to get rid of the old one (My new one!!). She phoned me up and knew i was looking and offered it to me for free! so i happy accepted.

So i have a car, a mot certificate (still vaild) and a new keepers slip in my aunts name, so legally its in her name.

By the time i get the car checked, the DVLA take there "admin" (more like Tea) time to sort out the paper work its going to be xmas (the next available test slot is nov 22nd!).

By which time the MOT will of run out and the cars going to start cosing me alot of money!

There, its a bit long winded but thats all of it !

Swiss_Toni

samgoffe wrote:

Thanks for all of you're replys.

Basically my aunt bought the car 8 months ago, they filled out the V5 and she took the new keepers slip.

The previous owner then sent off the change of details form to the DVLA to get it changed into her name.

But, she never recived the new V5 (in her name), but instead she got a letter saying they have with held the V5 and that she needed to book a test to make sure its not a writeoff! So basically the DVLA have reason to belive that the car has been in a accident, possibly marked as scrapped or written off. So they want it tobe checked out.

My aunt just forgot about the letter. Now she has just bought a new car for her self, and tried to get rid of the old one (My new one!!). She phoned me up and knew i was looking and offered it to me for free! so i happy accepted.

So i have a car, a mot certificate (still vaild) and a new keepers slip in my aunts name, so legally its in her name.

By the time i get the car checked, the DVLA take there "admin" (more like Tea) time to sort out the paper work its going to be xmas (the next available test slot is nov 22nd!).

By which time the MOT will of run out and the cars going to start cosing me alot of money!

There, its a bit long winded but thats all of it !

They don't do that just for a car that they have "reason to belive that the car has been in a accident".

They don't do it for cars with V53 (Written-Off) markers.

They do it for car recorded as "DESTROYED" - ie nil left/burt out. When they come back into the system it means that the ID of the vehicle is being used, and almost certainly on a nicked car.

Sorry.

mrbadexample

Swiss_Toni wrote:

They don't do that just for a car that they have "reason to belive that the car has been in a accident".

They don't do it for cars with V53 (Written-Off) markers.

They do it for car recorded as "DESTROYED" - ie nil left/burt out. When they come back into the system it means that the ID of the vehicle is being used, and almost certainly on a nicked car.

Sorry.

Ok then, assuming the above is correct (and I have no reason to believe it isn't) you need to verify the identity of the vehicle. You should be able to have this done at your nearest VOSA (Vehicle Inspectorate as was) test station (don't know if they will charge). Let me know roughly where you are, and I'll find the nearest one for you.

As far as the insurance issue goes, you should still be able to insure it, even if it remains in your aunt's name. It does sound like, as Swiss Toni says, some !!!!!!'s running about in a nicked car with your details.

Regards, MBE

illmonkey

mrbadexample wrote:

Ok then, assuming the above is correct (and I have no reason to believe it isn't) you need to verify the identity of the vehicle. You should be able to have this done at your nearest VOSA (Vehicle Inspectorate as was) test station (don't know if they will charge). Let me know roughly where you are, and I'll find the nearest one for you.

As far as the insurance issue goes, you should still be able to insure it, even if it remains in your aunt's name. It does sound like, as Swiss Toni says, some !!!!!!'s running about in a nicked car with your details.

Regards, MBE

Hi, thanks that sounds good. Do you work in this field?

I live in OX9 - its near oxford, obviously

All i want it to be able to drive the damn thing, if not i got to get rid of it, and no one will take it im sure!

AND i dont get the thing about some !!!!!! in a nicked car with my details?

I have the car and number plates etc... how can he be using it?! or do you mean someones put my plate on there car ? i dunno!