Can I insure a car I don’t own?
The simple answer is yes. Insuring a car that you do not own may seem like a tricky task, but it is definitely possible. In the UK, there are several options available for insuring a car that is not registered in your name.
One option is to take out a separate car insurance policy on the vehicle. This type of policy, known as non-owner car insurance, provides liability coverage for the policyholder when they drive a car that they do not own. This coverage includes liability for third-party bodily injury and property damage. It also includes coverage for medical expenses and legal fees if the policyholder is involved in an accident while driving a car that they do not own.
It’s important to note that when applying for non-owner car insurance, you must inform the insurer that you are not the owner or the registered keeper of the vehicle. Not all insurance companies offer this type of coverage, so it’s important to shop around to find a company that does.
Another option is to take out a short-term car insurance policy. This type of policy is designed for individuals who need coverage for a specific period of time, such as a few days or weeks. Short-term car insurance can be a good option for individuals who are borrowing or renting a car.
If the owner of the car is willing, you could also add yourself as a named driver on the vehicle owner’s existing insurance policy. This can be a cost-effective option, as it allows the policyholder to take advantage of the owner’s existing car insurance policy.
It’s also worth checking if your existing comprehensive car insurance policy grants you third-party cover to drive other people’s cars under certain conditions. Some insurance companies may offer this type of coverage as an add-on or an option for policyholders.
It’s important to note that non-owner car insurance policies may have different terms and conditions than traditional car insurance policies. For example, some policies may have restrictions on the types of vehicles that can be driven or the number of miles that can be driven. It’s important to carefully review the terms and conditions of any non-owner car insurance policy before purchasing it.
In conclusion, you can get car insurance on a car that you do not own. There are several options available, such as non-owner car insurance, short-term car insurance, and adding yourself as a named driver on the vehicle owner’s existing insurance policy. It’s important to research and compare different options with Comparoo to find the one that best fits your needs. And always inform the insurance company that you are not the owner or the registered keeper of the vehicle.