Can I insure a car that I own but somebody else drives most of the time?
What should you do?
- State who owns and keeps the car.
- Declare the person who actually drives it most.
- Explain why the arrangement exists, for example a family member using your vehicle.
- Ask whether the insurer prefers the main driver to be the policyholder.
What can make a difference?
The result can depend on your level of cover, exclusions, excess, information given when the policy was arranged or renewed, who was driving, and the precise circumstances. Two policies both described as “comprehensive” can still contain different terms.
Accuracy matters more than whose name appears on the V5C.
Tell the insurer accurately who will use the car most often and who owns and keeps it. Arranging a policy that gives a misleading impression of the true main driver can cause serious problems with the cover.
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