Hello,

I used to manage fleet i my last role and often had employees requesting details of their no claims. Whilst all company cars were insured against the company name, our insurancers were able to provide a no claims history letter for the vehicle and the company car provider was able to provide confirmation that the employee was the main driver. Insurance companies will hve to deal with this regularlybut if you explain the situation andask what proof they require most are accomodating. On one ocassion the company car was owned by the company rather than being leased and all which was required was the letter from the insurance provider and a letter on company letter head paper confirming the employee had been the primary driver of the vehicle. Note, insurance lcompanies providing you with a no claims history letter will charge £15 + for the service.

Hope this helps

I understand now but this is not my case. I think I got no other way to get cheap insurance and earn ncb :(

Thank you very much for ur help.

A common example of the registered keeper and the owner being different is with most car finance schemes - the registered keeper drives the car but the owner is the finance company (until the scheme is completed).

A bit confused. Register keeper is not necessarily the owner of the vehicle? From what i m understand is The name on the log book is the registered keeper and the owner. Am I not rite?

It is possible, as I say, that it is expensive because it is unusual. I expect you've got a few quotes for different situations using the red "insurance" tab at the top.

One issue that may be worth investigating follows from the fact that the registered keeper is not necessarily the owner of the vehicle. You might save something if you could persuade the director to register the car in your name. Whether this is feesable will depend largely on your relationship with the director. If the car is registered to you at your address, even if you didn't own it, it would be easy for you to (illegally) sell it if you fell out with the director/company.

Another option would be for the company to arrange insurance and for you to reimburse them. You should keep records of the transaction and avoid it being counted as a "taxable benefit" if doing this. Again, this would only work if there is a very good relationship between you and the company.

Hi Maxsteam,

Thanks for your reply.

my current policy is the 1st one you mentioned i.e main driver on the policy and earn no claims bonus but the costs is quite expensive and i am trying to get a quote from the other insurance company but once i mentioned to them i am not the register keeper and they r not going to insure me :(

Another option is the company. It is important that, if the car is for you, that you are named as the main driver on the policy and the registered keeper is correctly declared. The policyholder could be you, the director or the company (it will usually be whoever is paying). If it is you, you will earn no claims bonus in your name.

It is quite normal for a company to have a car registered in the name of the company and to pay for a policy in the company's name for an employee (or employees) to drive. It's also quite normal for an individual to insure a car registered in their name for themself to drive. It's not impossible that, if you try to do something that the insurer sees as unusual, the costs could be higher. I would suggest that you first agree who will be paying for the insurance and then get some quotes for all the available options. At the end of the day, whoever is paying should make the final decision though.

someone please help.
my company provide me a car which is registered under the name of the director. (Mr A)
i need to get a car insurance, can i know who should be the policyholder? Mr A?
can i be the policyholder? what is the consequences?

thanks.