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Thread: Does the policyholder have to be the registered keeper and owner the the car to be insured

  1. #1 Default Does the policyholder have to be the registered keeper and owner the the car to be insured 
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  2. #2  
    Vanoord is offline Lock up your Alpacas
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    I don't think so, but it may depend on the insurer.

    Certainly our (small) fleet policy can cover vehicles that are borrowed rather than owned.
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  3. #3  
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    Quote Originally Posted by Vanoord View Post
    I don't think so, but it may depend on the insurer.

    Certainly our (small) fleet policy can cover vehicles that are borrowed rather than owned.
    Damn , I payed the insurance company 1931 lump sum only had the car two months so i lose out on the insurance money unless i get a replacement vehicle , and i can't get a refund I'm with privilege
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  4. #4  
    Vanoord is offline Lock up your Alpacas
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    Quote Originally Posted by redenthusiast View Post
    Damn , I payed the insurance company 1931 lump sum only had the car two months so i lose out on the insurance money unless i get a replacement vehicle , and i can't get a refund I'm with privilege
    eh?

    As in, can you transfer the insurance policy to someone else's car?

    Not sure that would work.
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  5. #5  
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    Quote Originally Posted by Vanoord View Post
    eh?

    As in, can you transfer the insurance policy to someone else's car?

    Not sure that would work.
    On the policy i had the accident with the named driver is my dad , and he is the owner and keeper of the other car and i and my mother are the named drivers , I payed a lump sum and only one month into my policy i don't think i can get a refund or am i wrong , no insure the car onto my policy but the named driver is the registered owner and keeper
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  6. #6  
    Don Cumbrian is online now First team regular
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    You should be able to get a refund.
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  7. #7  
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    Quote Originally Posted by redenthusiast View Post
    On the policy i had the accident with the named driver is my dad , and he is the owner and keeper of the other car and i and my mother are the named drivers , I payed a lump sum and only one month into my policy i don't think i can get a refund or am i wrong , no insure the car onto my policy but the named driver is the registered owner and keeper
    Not sure what your asking?

    The insurance company will refund you the remainder of what's left on your policy.

    If your 2 months into a 12 month policy they'll refund you the remaining 10 months.
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  8. #8  
    Benny-Noons-Ghost is online now First team regular
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    Quote Originally Posted by GerrardSuarezGoal View Post
    The insurance company will refund you the remainder of what's left on your policy.

    If your 2 months into a 12 month policy they'll refund you the remaining 10 months.
    Is that true? I thought if you had an accident that was your fault AND resulted in your car being a write off, in that instance they reserve the right to keep it all.
    If you were paying monthly and had a crash and wrote off your car, while being at fault, you'd have to pay the remainder of the insurance, unless you got a new car in which case you could update the insurance and (probably) pay more, no?

    That's the way I've always assumed it works anyway.
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    Quote Originally Posted by Benny-Noons-Ghost View Post
    Is that true? I thought if you had an accident that was your fault AND resulted in your car being a write off, in that instance they reserve the right to keep it all.
    If you were paying monthly and had a crash and wrote off your car, while being at fault, you'd have to pay the remainder of the insurance, unless you got a new car in which case you could update the insurance and (probably) pay more, no?

    That's the way I've always assumed it works anyway.
    Right, so he's been in an accident?

    I couldn't figure out what was being asked.

    Ideally he needs to contact them and ask what would he be entitled to if he cancelled.
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  10. #10  
    HeWhoShallNotBeNamed is offline Academy prospect
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    Ask them that's why they are there.
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  11. #11  
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    Quote Originally Posted by GerrardSuarezGoal View Post
    Not sure what your asking?

    The insurance company will refund you the remainder of what's left on your policy.

    If your 2 months into a 12 month policy they'll refund you the remaining 10 months.
    No they said I can't get a refund due to the accident being my fault as the other driver who hit me drove off , so it's classed as my fault , What im asking is does the insurance policy holder have to be the registered owner and keeper
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  12. #12  
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    No, you can insure yourself on any car you like.
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  13. #13  
    Benny-Noons-Ghost is online now First team regular
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    Quote Originally Posted by redenthusiast View Post
    No they said I can't get a refund due to the accident being my fault as the other driver who hit me drove off , so it's classed as my fault , What im asking is does the insurance policy holder have to be the registered owner and keeper
    Oh. No.

    With the owner of the car's permission you can insure yourself on any car.
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