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Author Insuring someone else's vehicle?.........
J4M13
Member
Registered: 15th Apr 06
Location: Bacup (Rossendale)
User status: Offline
10th Dec 08 at 23:44   View User's Profile U2U Member Reply With Quote
Just wondering if anybody knows whats what,

My best friend has gone to canada for a long time and i can use his Nova if i want as im car-less at the moment.
The car isnt insured i dont think by him anymore as he doesnt need to drive it.
Am i legally allowed to insure it even though he is the owner and its not insured by him?
or does it not matter as long as i have it covered for me

[Edited on 10-12-2008 by J4M13]
Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
10th Dec 08 at 23:45   View User's Profile U2U Member Reply With Quote
when you ring up to insure it, they'll ask if youre the registered owner, just say no and you have to give his details
daymoon
Premium Member

Registered: 1st Aug 08
Location: Selby, North Yorkshire
User status: Offline
10th Dec 08 at 23:47   View Garage View User's Profile U2U Member Reply With Quote
some insurance companies willask u if its ur car or not, but some state in T's and C's that the car has to be yours.

so to answer ur quoestion: yes u can insure it, but not with any company.
J4M13
Member
Registered: 15th Apr 06
Location: Bacup (Rossendale)
User status: Offline
10th Dec 08 at 23:47   View User's Profile U2U Member Reply With Quote
Im ringing up anyways in the mornign but just want to know before hand whether or not its fully legal so im not wasting my time.

to me i would have thought that it would have to be insured by him for me to get covered on it with my own policy??
deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
10th Dec 08 at 23:48   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Alex_NSM
when you ring up to insure it, they'll ask if youre the registered owner, just say no and you have to give his details

Yeah, depends on insurance company.

Some require the policy holder to be the name of the owner on the V5C (log book). Some don't.

I know Endsleigh asks specifically who is the owner of the vehicle.

Churchill presume the owner is the policy holder.
J4M13
Member
Registered: 15th Apr 06
Location: Bacup (Rossendale)
User status: Offline
10th Dec 08 at 23:52   View User's Profile U2U Member Reply With Quote
So even though the vehicle has no insurance what so ever by my friend i can still insure it for me?

I can just picture it now thats all, of me getting pulled alot because it comes up ith no insurance from the owner.

[Edited on 10-12-2008 by J4M13]
daymoon
Premium Member

Registered: 1st Aug 08
Location: Selby, North Yorkshire
User status: Offline
10th Dec 08 at 23:53   View Garage View User's Profile U2U Member Reply With Quote
quote:
Originally posted by J4M13
So even though the vehicle has no insurance what so ever by my friend i can still insure it for me?

Y
E
S
J4M13
Member
Registered: 15th Apr 06
Location: Bacup (Rossendale)
User status: Offline
10th Dec 08 at 23:57   View User's Profile U2U Member Reply With Quote
Alright sunshine calm down

thanks for the help guys
Adam_B
Member
Registered: 13th Dec 00
Location: Lancashire
User status: Offline
11th Dec 08 at 00:05   View User's Profile U2U Member Reply With Quote
if he is away for ages and he clearly trusts you why not just change the logbook to yours? no worries then.
daymoon
Premium Member

Registered: 1st Aug 08
Location: Selby, North Yorkshire
User status: Offline
11th Dec 08 at 00:09   View Garage View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Adam_B
if he is away for ages and he clearly trusts you why not just change the logbook to yours? no worries then.

extra owner on the car..
Adam_B
Member
Registered: 13th Dec 00
Location: Lancashire
User status: Offline
11th Dec 08 at 00:11   View User's Profile U2U Member Reply With Quote
Its a Nova
Arctic_Monkey
Member
Registered: 20th Mar 06
Location: East Dunbartonshire - Glasgow
User status: Offline
11th Dec 08 at 00:13   View User's Profile U2U Member Reply With Quote
You should be fine to insure this mate, due to the circumstances regarding your friend being away. When i worked for directline they would make sure the policy holder was the owner and keeper of the car, because if they are not, they are deemed not to have any financial interest in the car. It is different in your case though so should be ok with most companies.
J4M13
Member
Registered: 15th Apr 06
Location: Bacup (Rossendale)
User status: Offline
11th Dec 08 at 00:13   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Adam_B
if he is away for ages and he clearly trusts you why not just change the logbook to yours? no worries then.


Suppose i could but id have to fraudulently sign his signature

I dont get to speak to him very often, like once every few weeks and im planning on insuring it this week.
J4M13
Member
Registered: 15th Apr 06
Location: Bacup (Rossendale)
User status: Offline
11th Dec 08 at 00:14   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by daymoon
quote:
Originally posted by Adam_B
if he is away for ages and he clearly trusts you why not just change the logbook to yours? no worries then.

extra owner on the car..


Id probbaly be about the 18th owner
Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
11th Dec 08 at 14:29   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Adam_B
Its a Nova


But he could have owned it from new


 
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