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Insurance on someone else's car

Last post Mon, Jul 06 2009, 2:40 PM by Casanova. 3 replies.
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  •  Fri, Jul 03 2009, 7:39 PM

    Insurance on someone else's car

    Does anyone know if it's possible to insure yourself fully comp. to drive a car registered and owned by someone else, with their permission of course!
    • Post Points: 35
  •  Fri, Jul 03 2009, 8:02 PM

    Re: Insurance on someone else's car

    No, only the owner of the car has the "insurable interest," they would have to name you as an additional driver on their policy.
    • Post Points: 5
  •  Fri, Jul 03 2009, 8:34 PM

    Re: Insurance on someone else's car

    pearlinthesea:Does anyone know if it's possible to insure yourself fully comp. to drive a car registered and owned by someone else, with their permission of course!

    Normally as CMK advises you have to be added as a named driver on the owners Car insurance policy. But bizarely there are temporary Insurances available.Do a search. One company that provides cover is dayinsure and this is FAQ/answer shown on their site.

    50. Can I insure a car when I am not the registered owner/keeper

    Yes,providing you will be driving and using the vehicle with the owners permission

    I am not sure exactly what cover they provide and the cost. You should check and compare with the cost of being added as a named driver to the owners policy. I suspose the benefit of a separate policy could be that it does not put at risk, the car owners NCD under their policy.

    If you do enquire with dayinsure, could you please post back whether they provide comprehensive cover and how premium compares with being added as named driver.

    Huckster

    • Post Points: 20
  •  Mon, Jul 06 2009, 2:40 PM

    Re: Insurance on someone else's car

    I use www.dayinsure.com for this purpose, which is underwritten by Aviva, but only covers post-1993 cars. Budget (I think) do a similar scheme which covers all cars but costs a bit more, which I have also used in the past. Note that you can't use these kind of policies to buy a tax disc.

    Otherwise, the only option is to be added to the owner's policy.

    • Post Points: 5