Jase1.4
Member
Registered: 8th Sep 06
Location: west mids - black 1.8 astra coupe
User status: Offline
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as title says, do the registered keeper of a car and the main driver on the insurence policy have to be the same person?
reason im asking, im on my moms policy while at uni but want to take it with me in the summer, so would wana make myself the main driver on my own policy, but would i have to add another owner to the logbook as its my moms car at the moment 
cheers for any help.
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adz_gsi
Member
Registered: 20th Sep 08
User status: Offline
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no but if you get a qoute just type info in as your mum as owner and you main driver see if it gives you good qoutes
[Edited on 22-04-2009 by adz_gsi]
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Jase1.4
Member
Registered: 8th Sep 06
Location: west mids - black 1.8 astra coupe
User status: Offline
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its about the same to go on my own policy as im paying for this years as a named driver. so if i can get away with leaving it in my moms name so i dont add an unneccessary owner itll be sound
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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Say you insure your self on someone elses car so the main driver is you and the registered keeper is not you, that is not a problem...
BUT If the car is in your name and you are a named driver the insurance companies will start getting a bit iffy with you.
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John
Member
Registered: 30th Jun 03
User status: Offline
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There is normally an option while getting the quote to say if you are the owner or not.
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swill_omnibus
Member
Registered: 12th Dec 07
Location: : S. wales Drives: Dodge Caliber
User status: Offline
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Aslong as the registered owner is on the policy weather it's main or named driver it's fine.
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Jase1.4
Member
Registered: 8th Sep 06
Location: west mids - black 1.8 astra coupe
User status: Offline
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yeah, at the minute its my mom the registered owner and im a named driver, i want to start my own policy same car same company (i have the direct line named driver no claims)
havnt seen one an option about the keeper yet but only gone to where im given the quote. gona go do another one now.
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swill_omnibus
Member
Registered: 12th Dec 07
Location: : S. wales Drives: Dodge Caliber
User status: Offline
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As long as you stay with direct line for those no claims your fine.
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steven_r2008
Member
Registered: 23rd May 08
Location: Nottingham
User status: Offline
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no mate it doesn't matter at all, i have done the very same thing, was insured on my mums policy for my 1.4 sport, therefore when i bought it we put it in my mums name. then i went onto my own insurance (without my mum on the policy at all) and left it in my mums name for the very reason of not adding another driver onto the log book, and there hasn't been any problems with mine at all
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Jase1.4
Member
Registered: 8th Sep 06
Location: west mids - black 1.8 astra coupe
User status: Offline
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Just gone further in the quote and found this in the terms
The vehicle is owned and registered by you, at your address and has not been modified or altered in anyway (including wheels, suspension, bodywork and engine) and you or your spouse, partner or civil partner (not business partner) will be the main driver.
is spouse a child? excuse the dumbness lol
dont think i can do it cos im at a different address with my drivers licence and things! nevermind looks like ill have to put another keeper on it
[Edited on 22-04-2009 by Jase1.4]
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steven_r2008
Member
Registered: 23rd May 08
Location: Nottingham
User status: Offline
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yeah, all insurance companies have those policies  daft because they give you the option to add modifications onto the policy
however if your at a different address it may be slightly different mate.
but a spouse is kind of a partner i think, there should be an option for 'son/daughter'
hope that helped 
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Fonz
Premium Member
Registered: 12th May 06
Location: Newbury, Berks
User status: Offline
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My Dad owns the Nova but we have a "gentleman's agreement" is it "my" car. i insure it in my name, he is a named driver didnt have any problems with that
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Jase1.4
Member
Registered: 8th Sep 06
Location: west mids - black 1.8 astra coupe
User status: Offline
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so is the car registered and insured at different addresses then?
think im might just carry it on as it is then cancel the policy and start my own one when i get new car before uni next year, will loose out on a few months no claims but saves the messing about
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