Boring car insurance advice request

MrLargo

My mum no longer drives following a stroke. We want to keep her car, partly to make it more obvious that her house is occupied, and partly as a back up car for me and my two brothers. Unlikely to do more than 500 miles a year.

Can I buy an insurance policy keeping my mum as the registered owner of the vehicle, but not covered to drive it? I just want a third party, fire and theft policy covering me and my two brothers to drive it.

Her existing insurer said no, but it was a call centre so not convinced he knew what he was talking about. How does it work when someone rich wants to insure their chauffeur to drive them around in their Rolls Royce?!

Couple of reasons why I'd rather not put the car in my name if I can avoid it.

Anyway, if you're still awake after reading that, and have any advice you can give me then thanks very much in advance.

robroy

As an idea, if the car is MOT'd you could sorn the vechicle and keep it on the drive. When it is needed just tax it and then you are away? 

ROTW

No, because it won’t be insured and as third party, this would be required (I think).

_MrDick

Not something I’ve done but a quick Google search returned this …

https://www.bymiles.co.uk/?utm_source=google&utm_medium=paid-search&utm_campaign=category-search&utm_content=low-mileage&ref=google_paid-search_category-search_low-mileage&ots=google_paid-search_category-search_low-mileage&pap=pab-google-generic&dtl=kwd-%2Blimited%20%2Bmileage%20%2Binsurance_match-b_adid-598606856792_place-_pos-&gclid=CjwKCAjwquWVBhBrEiwAt1KmwvP9PpaDrJpyyXU38ByFWGWHKyVCmvhFK0bSgrMEuw8qIBTPdAcwOBoCpzcQAvD_BwE

fat man on a moped

You could try a specialist broker such a A-plan. There are plenty of others as well. 

MuttleyCAFC

My mum is in a wheelchair and has her own vehicle which she can't drive but she is insured so anybody over 24 can. She needs it to go anywhere but doesn't go far so not many miles a year. There are insurance companies who specialise in this but I don't think they will be that cheap.

MrLargo

Thanks all, much appreciated.

MrLargo

MuttleyCAFC said:

My mum is in a wheelchair and has her own vehicle which she can't drive but she is insured so anybody over 24 can. She needs it to go anywhere but doesn't go far so not many miles a year. There are insurance companies who specialise in this but I don't think they will be that cheap.

Any idea who your mum's policy is with mate? 

eaststandmike

Hi MrL,

If you don't want to put the car in another name I see it as a problem however........................

My wife's car is insured with AXA, the web portal is a doddle to use and it is very, very simple to add another driver for a short, mid or long term period as a second driver.

So, if I am understanding your situation correctly your mum would need to be the lead name on the policy and you and your brothers would need access to the online portal i.e. username & password.

Then whenever one of you wants to drive the car you log on, add the dates you want it covered and a few personal details then pay the extra amount on a debit card.

My wife's sister came home from Greece earlier in the year (she lives there) and we put her on for 5 x days for less than £40, and my son used it as well for a long weekend at a cost of £35.

Hope this helps 

Sorry......................just re-read and seen your comment re mum not being insured to drive.

MuttleyCAFC

I am trying to think. I will need to ask her. We found it by looking for insurance companies for disabled customers. You will get some options if you google this and whilst your mum may not be disabled, she may fall into a similar category given her age/ability to drive.

DaveMehmet

Tell them her name's Katie Price and she'll never get done for anything.

cafcfan

Well it must be feasible. It is of course what a company would do. While a legal entity, the company itself cannot drive.  But all its employees could.

kakaka

I think one of the questions asked when getting insurance is 'are you the registered keeper of the vehicle' or something like that. I don't think you have to be the registered keeper to get insurance. Ie if you lease a car you don't own it but you insure it in your name. 

MuttleyCAFC

My mum needs my brother, my sister, my nieces and me to drive her Renault Kangoo to take her out. She has never held a license and couldn't drive now if she did and their are companies out there. But like I said, I don't think they are that cheap.

If you look at a company that specialises in seniors or disabled and if they can't help they probably can advise who can. I'll ask my mum but probably won't be speaking to her for a few days. I am on holiday and ringing her every three days.

Rob7Lee

I assume your mum no longer has a licence and therefore that is why the 'average' insurer will struggle with a) her being the registered keeper and b) not being insured (or allowed to drive). 

There are insurers who will entertain it, but you need to go through a broker ideally. A Plan as someone has mentioned is a likely candidate, they have their own paper (KGM) so underwrite properly in house. They could also do a limited mileage policy.

It's certainly do-able as long as you and your brothers are an insurable risk.

MrLargo

MuttleyCAFC said:

My mum needs my brother, my sister, my nieces and me to drive her Renault Kangoo to take her out. She has never held a license and couldn't drive now if she did and their are companies out there. But like I said, I don't think they are that cheap.

If you look at a company that specialises in seniors or disabled and if they can't help they probably can advise who can. I'll ask my mum but probably won't be speaking to her for a few days. I am on holiday and ringing her every three days.

Thanks a lot mate. Think I am sorted now, so don't worry about it. Thanks again for the info though.

MrLargo

Thanks all very much for the advice and opinions. Seem to have it sorted now via A Plan.

jimmymelrose

eaststandmike said:

Hi MrL,

If you don't want to put the car in another name I see it as a problem however........................

My wife's car is insured with AXA, the web portal is a doddle to use and it is very, very simple to add another driver for a short, mid or long term period as a second driver.

So, if I am understanding your situation correctly your mum would need to be the lead name on the policy and you and your brothers would need access to the online portal i.e. username & password.

Then whenever one of you wants to drive the car you log on, add the dates you want it covered and a few personal details then pay the extra amount on a debit card.

My wife's sister came home from Greece earlier in the year (she lives there) and we put her on for 5 x days for less than £40, and my son used it as well for a long weekend at a cost of £35.

Hope this helps 

Sorry......................just re-read and seen your comment re mum not being insured to drive.

So, @eaststandmike you managed to get insurance for a non-resident of the UK using AXA. Is this right? My parents' insurers have refused me being insured on their car as I'm not a UK resident and I'm looking for an alternative solution.

eaststandmike

jimmymelrose said:

eaststandmike said:

Hi MrL,

If you don't want to put the car in another name I see it as a problem however........................

My wife's car is insured with AXA, the web portal is a doddle to use and it is very, very simple to add another driver for a short, mid or long term period as a second driver.

So, if I am understanding your situation correctly your mum would need to be the lead name on the policy and you and your brothers would need access to the online portal i.e. username & password.

Then whenever one of you wants to drive the car you log on, add the dates you want it covered and a few personal details then pay the extra amount on a debit card.

My wife's sister came home from Greece earlier in the year (she lives there) and we put her on for 5 x days for less than £40, and my son used it as well for a long weekend at a cost of £35.

Hope this helps 

Sorry......................just re-read and seen your comment re mum not being insured to drive.

So, @eaststandmike you managed to get insurance for a non-resident of the UK using AXA. Is this right? My parents' insurers have refused me being insured on their car as I'm not a UK resident and I'm looking for an alternative solution.

She still holds a British passport so I said “yes” to a couple of questions, it was only for a week 

cafcfan

jimmymelrose said:

eaststandmike said:

Hi MrL,

If you don't want to put the car in another name I see it as a problem however........................

My wife's car is insured with AXA, the web portal is a doddle to use and it is very, very simple to add another driver for a short, mid or long term period as a second driver.

So, if I am understanding your situation correctly your mum would need to be the lead name on the policy and you and your brothers would need access to the online portal i.e. username & password.

Then whenever one of you wants to drive the car you log on, add the dates you want it covered and a few personal details then pay the extra amount on a debit card.

My wife's sister came home from Greece earlier in the year (she lives there) and we put her on for 5 x days for less than £40, and my son used it as well for a long weekend at a cost of £35.

Hope this helps 

Sorry......................just re-read and seen your comment re mum not being insured to drive.

So, @eaststandmike you managed to get insurance for a non-resident of the UK using AXA. Is this right? My parents' insurers have refused me being insured on their car as I'm not a UK resident and I'm looking for an alternative solution.

Well, that's odd. Mrs cafcfan's sister now has a US passport, not a UK one but had no trouble getting insured on her Mum's car for a few weeks when she visited every now and again. That was a few years ago mind. I guess it is just the individual insurer's choice. The cheapo insurers obviously cut costs to the bare minimum and therefore just cannot be bothered to quote for anything a little unusual.   "The computer says no".

Edited to add: this lot seem to insure for short periods. Must have a UK/EU driver's licence though. https://goshorty.co.uk/temporary-car-insurance/weekly/?gclid=CjwKCAjwzeqVBhAoEiwAOrEmzdfR7ITrlpcHDWaA5JEhr64qp7apUk640vOyc6UECeX80DnK8p5eaRoC7Q0QAvD_BwE
No impact on owner's policy or NCB it seems.

Wheresmeticket

MrLargo said:

My mum no longer drives following a stroke. We want to keep her car, partly to make it more obvious that her house is occupied, and partly as a back up car for me and my two brothers. Unlikely to do more than 500 miles a year.

Can I buy an insurance policy keeping my mum as the registered owner of the vehicle, but not covered to drive it? I just want a third party, fire and theft policy covering me and my two brothers to drive it.

Her existing insurer said no, but it was a call centre so not convinced he knew what he was talking about. How does it work when someone rich wants to insure their chauffeur to drive them around in their Rolls Royce?!

Couple of reasons why I'd rather not put the car in my name if I can avoid it.

Anyway, if you're still awake after reading that, and have any advice you can give me then thanks very much in advance.

T_C_E

I use a company called By Miles, I pay a parking premium so it’s covered while parked up. £170 for a 2.0 BMW + 3p a mile when driven. This month I paid £1.43, it’s to a maximum of £5 per day. 

Cafc43v3r

My wife was the registered keeper of one of our cars and for a year it was insured in my name, and without her as a named driver.  It wasn't an issue.