registering car owner and insurance

gurramok

Hi,
I just got a newer car, was wondering what is the situation with the law and insurance.

I intend to be named driver, my mother to be 1st driver.

As i will be paying for car, question is if I register car in my name, would an insurance company entertain us , herself as 1st driver, me as 2nd driver ?.
If so, would there be a cost factor ?
If not, is it better off reg in her name and reg it back when 1st yr insurance up ?

Or does a policy maintain that to be a 1st driver of car, you have to be registered owner ?
Can anyone give guidance, legal eagles out there?
thx in advance

Our man in Havana

Originally posted by gurramok
Hi,
I just got a newer car, was wondering what is the situation with the law and insurance.

I intend to be named driver, my mother to be 1st driver.

As i will be paying for car, question is if I register car in my name, would an insurance company entertain us , herself as 1st driver, me as 2nd driver ?.
If so, would there be a cost factor ?
If not, is it better off reg in her name and reg it back when 1st yr insurance up ?

Or does a policy maintain that to be a 1st driver of car, you have to be registered owner ?
Can anyone give guidance, legal eagles out there?
thx in advance

Yes and Yes

They wont insure a car unless the policy owner is the registered owner.

jamesd

My Fathers car is registered in my sisters name - My sister is not or never was insured on it.

I then bought this car off my father and insured it while still registered under my sisters name with no bother.

Our man in Havana

No bother until there is a claim and then the insurance wont pay out. It is a condition of most insurances that the policy holder is the registetred owner.

Victor

Originally posted by gurramok
If not, is it better off reg in her name and reg it back when 1st yr insurance up ?

And hope you don't fall out with your mother .....

herbie747

Register the car in your mothers name, and put the policy in her name with you as a named driver.

If there's a crash with you driving: it's your mothers car, and you were driving- which you are more than entitled to do, as you're a named driver. No problems.
Just make sure it's the only car your mother is insured on. i.e. she doesn't have another policy in her name.
It's the only "legitimate" way around it. Legitimate, as in, they have absolutely no way of proving that you are the main driver.

seamus

Originally posted by Bond-James Bond
They wont insure a car unless the policy owner is the registered owner.

This only applies to Fully Comp though doesn't it? You can't insure someone else's risk, etc....

Surely you can get TPO on *any* car (providing obviously that you have permission to drive it)?

I think most insurance companies have also clamped down on people being insured on 2 cars and having a named driver on one.

Silent Bob

Dad used to have brilliant insurance on the cars.

Fully comp cover for anybody given permission to drive them, including me:)

mike65

This thread reminds me of something I would like to see -
namely insurance to be re-intepreted. The driver, not the car should be insured that way so long as you have a policy you can drive anything.

Mike.

redneck

It should be done the way it is in most other country, ie the CAR is isured not the driver so any1 with a license and permission can drive any car, mainly cos they dont have the ridiculous problems of provisional licences, This has worked out good for me in the past and has allowed me to drive a brand new CLK in Germany at no cost to the owner or me

mike65

Originally posted by redneck
It should be done the way it is in most other country, ie the CAR is isured not the driver so any1 with a license and permission can drive any car, mainly cos they dont have the ridiculous problems of provisional licences

Yep that would do as well...

Mike.