11 replies to this topic

[flashgit]

I want to insure a Mini 25 for me to drive. There appears to be a problem because the car is registered in my son's name. Does anyone know of an insurance company who will insure just me (no other drivers) for this car?

 

Background: My son (19yo) has bought another car so that the Mini can come "off the road" for some TLC. He can only afford to insure the other car. The Mini is due to visit a bodyshop in the very near future and it will be simpler for me to drive it there and back before the car is SORN'd (and insured appropriately)

[creakyjaws5533]

There's no issue doing this my dad drove my mini (which is in my name) for about a year before I started driving.

[flashgit]

Who was the insurance with? Both CaroleNash and FootmanJames are not interested

[creakyjaws5533]

Cant remember now to be honest I think we used money supermarket to compare prices and went for the cheapest one

[Tanya]

My understanding is that the Mini 25 will need to be insured to be on the road and the only person who can insure it is your son (the registered keeper). Your choices are either to be on your son's insurance policy, or if you can drive other vehicles with third party cover on your policy, then once your son has insured the 25, then you can drive it being covered by your policy.

I had a similar but different situation to yours about 4 years ago, so looked into this in some depth. It's very annoying that from what I understood, the rules for this type of situation is that only the registered keeper can insure the car and the car must have its own insurance to be on the road.

I spoke to a number of insurance companies about this and they all said the same thing. However, I don't know if things have changed this then.

[CK's mini]

Why not try temp cover???

[Badboytunes]

Swiftcover were brilliant for me . I insured my mums car.  Excellent service and cheap as chips

[RedRuby]

My understanding is that the Mini 25 will need to be insured to be on the road and the only person who can insure it is your son (the registered keeper). Your choices are either to be on your son's insurance policy, or if you can drive other vehicles with third party cover on your policy, then once your son has insured the 25, then you can drive it being covered by your policy.
I had a similar but different situation to yours about 4 years ago, so looked into this in some depth. It's very annoying that from what I understood, the rules for this type of situation is that only the registered keeper can insure the car and the car must have its own insurance to be on the road.
I spoke to a number of insurance companies about this and they all said the same thing. However, I don't know if things have changed this then.

Cannot dispute your research, but when at work we operated a lease car scheme and the registered owner of the vehicles were the lease company but we as individuals insured them. However I have just re-read your post and you are quoting the registered keeper rather than the registered owner so perhaps that makes a difference.

[Tanya]

My understanding is that the Mini 25 will need to be insured to be on the road and the only person who can insure it is your son (the registered keeper). Your choices are either to be on your son's insurance policy, or if you can drive other vehicles with third party cover on your policy, then once your son has insured the 25, then you can drive it being covered by your policy.
I had a similar but different situation to yours about 4 years ago, so looked into this in some depth. It's very annoying that from what I understood, the rules for this type of situation is that only the registered keeper can insure the car and the car must have its own insurance to be on the road.
I spoke to a number of insurance companies about this and they all said the same thing. However, I don't know if things have changed this then.

Cannot dispute your research, but when at work we operated a lease car scheme and the registered owner of the vehicles were the lease company but we as individuals insured them. However I have just re-read your post and you are quoting the registered keeper rather than the registered owner so perhaps that makes a difference.

Yes, and my research was only to do with indidivuals not companies, leasing organisations etc. I was not able to get anyone to insure me on my son's car which was uninsured. At the time, I was told that situation was uninsurable and that either he needed to insure the car or I had to register the car in my name.

[alex-95]

admiral done it for me, dads the registered keeper and they said it'll be fine just me being on it.

[Badboytunes]

My understanding is that the Mini 25 will need to be insured to be on the road and the only person who can insure it is your son (the registered keeper). Your choices are either to be on your son's insurance policy, or if you can drive other vehicles with third party cover on your policy, then once your son has insured the 25, then you can drive it being covered by your policy.

 

 

I did not have this problem. I had to sell my car ( to stop the ex wife from claiming it was hers ) I "sold " it to my mum and she registered the vehicle in her name. She was the legal owner AND the registered keeper. I insured the vehicle with Swiftcover who happily accepted this. I kept it like this for 3 years until the car was registered back in my name this year.

 

Perhaps it vary's with different companies

[MaxAndPaddy]

I'm not the registered keeper for my car and have never had an issue with insurance, I'm with axa at the moment and admiral before.

Plus 1 on admiral allowing you to do temp insurance on an additional car to get it to the garage, I did this when I picked up one I just bought and they gave me 7 days cover