Can you Insure yourself to drive a car you don't own ?

My old dear has recently been diagnosed with a mental illness that means she can't drive and as a frail 86 year old , I wouldn't want her to .

She is the registered owner of a Ford 1.6 runaround

As a full UK driving licence vehicle holder can I just phone up the insurance company and insure it in my name as only driver ?

Or do I have to be the registered owner ?

If so how do I transfer things over ?

My mother is very confused and in no position to sign or agree to forms .

Seen yes and no when I googled.

Ultimately comes down to the insurance company. Give them a call.

Just a thought kind of related to this - have you done the power of attorney forms for her? We had to put my mum in to a home back in May and luckily had filed all the relevant forms so I could control things.

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Originally Posted by dembethewarrior

Seen yes and no when I googled.

Ultimately comes down to the insurance company. Give them a call.

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Thank you

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Originally Posted by bluesp

Just a thought kind of related to this - have you done the power of attorney forms for her? We had to put my mum in to a home back in May and luckily had filed all the relevant forms so I could control things.

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My sister has power of attorney over my mums finances

I refused to let them have power of attorney over mums health as they tried to stop my mother getting treatment for her mental illness

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Originally Posted by SLUDGE FACTORY

My sister has power of attorney over my mums finances

I refused to let them have power of attorney over mums health as they tried to stop my mother getting treatment for her mental illness

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Makes sense, just thought I’d ask as my mum’s situation deteriorated quickly unfortunately.

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Originally Posted by bluesp

Makes sense, just thought I’d ask as my mum’s situation deteriorated quickly unfortunately.

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no worries mate , take care

I used to lease a car , which I technically didn’t own. Had insurance for that as normal. I guess it depends if your the registered keeper rather than owner maybe ?

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Originally Posted by SLUDGE FACTORY

My old dear has recently been diagnosed with a mental illness that means she can't drive and as a frail 86 year old , I wouldn't want her to .

She is the registered owner of a Ford 1.6 runaround

As a full UK driving licence vehicle holder can I just phone up the insurance company and insure it in my name as only driver ?

Or do I have to be the registered owner ?

If so how do I transfer things over ?

My mother is very confused and in no position to sign or agree to forms .

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We're sort of in a similar situation. Mrs HaB's father died 3 years ago and so his car passed to her mother. Her mother is the registered owner but Mrs HaB is registered as the only driver on the insurance certificate. She's never had a problem with doing that.

I'm sure 1 of the questions you answer is do you own the car?
So I can't see why not.

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Originally Posted by Fine Lines

I used to lease a car , which I technically didn’t own. Had insurance for that as normal. I guess it depends if your the registered keeper rather than owner maybe ?

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I have no idea whether I am registered keeper or owner

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Originally Posted by Eric the Half a Bee

We're sort of in a similar situation. Mrs HaB's father died 3 years ago and so his car passed to her mother. Her mother is the registered owner but Mrs HaB is registered as the only driver on the insurance certificate. She's never had a problem with doing that.

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thanks mate , will phone insurance company

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Originally Posted by insider

I'm sure 1 of the questions you answer is do you own the car?
So I can't see why not.

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time to phone the dvla or insurance company

I have insured my wife's car in my name with Mrs Vindec as a named driver.

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Originally Posted by Vindec

I have insured my wife's car in my name with Mrs Vindec as a named driver.

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That’s what we do, just me on my van but both of us on the car with her as named driver.

My insurance policy says I'm insured to drive any car.

Deffo speak to your insurance company (provided you are currently insured to drive another car). If not then you need to apply for insurance for you mums car. I don't think you need to be the registered owner, the application asks that when applying.

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Originally Posted by Vindec

I have insured my wife's car in my name with Mrs Vindec as a named driver.

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Rock and roll

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Originally Posted by Michael Morris

My insurance policy says I'm insured to drive any car.

Deffo speak to your insurance company (provided you are currently insured to drive another car). If not then you need to apply for insurance for you mums car. I don't think you need to be the registered owner, the application asks that when applying.

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and I thought you were just a computer nerd

The registered owner can add a named person to the insurance but your mum may not be in a state to do that.
But if you have fully comp insurance for another car, such as your own maybe, that may cover you t drive any other car, It's just a phone call.

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Originally Posted by SLUDGE FACTORY

and I thought you were just a computer nerd

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If you have fully comprehensive insurance yourself then you are covered to drive another car but only on third party cover. As for your original question
Yes you can insure your moms car you do not have to be the owner or registered keeper, I have done that many times. What you can do is one of two things
1 ring the insurance company and add your name to your mams policy
2 ring up the insurance company and tell them you want to take out a policy in your name on your mams car.

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Originally Posted by xsnaggle

The registered owner can add a named person to the insurance but your mum may not be in a state to do that.
But if you have fully comp insurance for another car, such as your own maybe, that may cover you t drive any other car, It's just a phone call.

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shes not mate , shes under the psychiatric team at llandough elderly mental health team

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Originally Posted by Igovernor

If you have fully comprehensive insurance yourself then you are covered to drive another car but only on third party cover. As for your original question
Yes you can insure your moms car you do not have to be the owner or registered keeper, I have done that many times. What you can do is one of two things
1 ring the insurance company and add your name to your mams policy
2 ring up the insurance company and tell them you want to take out a policy in your name on your mams car.

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thanks , what would be best of the two suggestions


We are insured with aviva , always been OK

It's the car that's insured not the driver.
If you own and drive 3 cars they all need insurance. 3 policies.
You need to be added as a driver on the relevant cars insurance policy.
Any decent insurance provider should help if you have a valid licence.
My 4 pennyworth.

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Originally Posted by Michael Morris

My insurance policy says I'm insured to drive any car.

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Most insurance policies allow that. However, if you drive a car which is not yours most policies only give third party cover when you drive a car that isn't your own.

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Originally Posted by SLUDGE FACTORY

thanks , what would be best of the two suggestions


We are insured with aviva , always been OK

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Due to your mams health issues the insurance company would probably nor renew so i would go for
2 ring up the insurance company and tell them you want to take out a policy in your name on your mams car.

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Originally Posted by Igovernor

Due to your mams health issues the insurance company would probably nor renew so i would go for
2 ring up the insurance company and tell them you want to take out a policy in your name on your mams car.

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Many many thanks

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Originally Posted by AlwaysAway2

It's the car that's insured not the driver.
If you own and drive 3 cars they all need insurance. 3 policies.
You need to be added as a driver on the relevant cars insurance policy.
Any decent insurance provider should help if you have a valid licence.
My 4 pennyworth.

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her policy is not going to be renewed after late October, shes got old age mental illness

So I think I need to insure car for me as only driver on her vehicle

In terms of taxing the car I probably need to ask her to transfer ownership over to me for the long term

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Originally Posted by SLUDGE FACTORY

her policy is not going to be renewed after late October, shes got old age mental illness

So I think I need to insure car for me as only driver on her vehicle

In terms of taxing the car I probably need to ask her to transfer ownership over to me for the long term

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The transfer of the car over to you would be the best :thumbup:

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Originally Posted by Igovernor

The transfer of the car over to you would be the best :thumbup:

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I think so too

Thanks

Does this mean you'll be getting out a bit more ??