I have full NCB on 2 cars so I insure both my car, which is registered in my name, and my wife's car which is registered in her name.
My daughter has just bought a new car, but not yet disposed of her old car. She wants to let her brother drive the old car for a few months. He is happy to insure it in his name - he is over 25 with a good record and some NCB(he has been driving a company car recently).
However the Insurance Company we all use(More Than) say you cannot insure a car - with any company - that you do not own; unless it is husband and wife.
It is not feasible for daughter to insure car, with her brother as a named driver, as he will be the sole driver; and it will be a lot more expensive.
Short of putting the car in his name, is there any way around this?
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Try another insurance company/broker?
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I think the suggestion that no company will insure a car you don't own is, to put it lightly, dubious advice. Certainly most companies will ask you if you are the owner and registered keeper, and if the answer is no further searching questions to catch out father/son type dodges will be asked.
But I think if you shop around you'll find cover.
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If you do find a solution please let me know.
My son was trying to get quotes earlier in the year for my car. Basically he didn't want to put my NCD at risk and felt that he would like to start building his own NCD so wanted to leave me with my insurance and insure himself seperately on my car. He also didn't want to fall into the 'who is the main user' conundrum and felt if he had his own insurance it would take that out of the equation.
My broker couldn't help and Mark (RLBS) suggested we went elsewhere as he couldn't see why we couldn't get the risk written and, personally, neither could I; I'd always worked on the theory that you could find insurance for virtually anything, it just came down to finding someone to write the risk for a premium. My son made numerous calls to brokers and companies and met with the same reply from all that he tried, they would not insure him on a vehicle in which he did not have a pecuniary interest.
As it happens he has now decided against driving for a few more months until he sorts out uni's, etc but I would be interested if you find a company willing as the problem is bound to raise its head again in the not too distant future.
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they would not insure him on a vehicle in which he did not have a pecuniary interest.
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how do companies insure their employees/drivers for individual or pool leased "company" cars ?
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My Dad insured himself on my car last year but turned out not to need it in the end.
Can be done though. I *think* it may have been Frizzell's.
--
Adam
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>> they would not insure him on a vehicle in which he did not >> have a pecuniary interest. >> how do companies insure their employees/drivers for individual or pool leased "company" cars ?
Dalglish,
That isn't the exam question!
Using your example, the analogy would be one of the employees/drivers taking out his own insurance for the 'company' car.
There is no problem in the company(or daughter) taking out an 'any driver' policy. However it is very expensive, especially as daughter will have zero NCB on a second car.
C
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That isn't the exam question!
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sorry, cardew.
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Try elephant.co.uk
They are currently insuring me, fully comp, in my own name, to drive a BMW 316i that is registered in my dad's name.
I spoke to a gentleman that may have been working in a foreign call centre at first who told me that they didn't do it, but on checking their site they ask the question "are you the owner of the vehicle?". If you answer no then they ask the name of the owner and your relationship to them.
So I went ahead and arranged cover on-line. I rang up again afterwards and spoke to a lady who did not sound like she worked in a foreign call centre and she advised me that this was fine as the car was owned by family.
I've since received the covernotes with my dad named as the registered owner of the car.
I should point out that they will NOT do this if the car is also insured by the owner, as my dad was no longer using this car he hasn't had insurance on it for about a year, so this didn't pose a problem for me.
Blue
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If you do find a solution please let me know.
Didn't find a solution - tried several Brokers and firms like Elephant, Tesco, Halifax etc and all took the same position as More Than. ie allowed between Husband and Wife but not Brother and Sister.
I think the problem is that operators in these call centres just follow their protocols.
In the end she 'sold' him the car!!
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