I am getting a lease car but it will be in my mothers name. She cannot drive how do I sort out the insurance?

Answer 1

There is NO requirement that the owner or lessor be able to drive in order to purchase insurance! They don't even need a license! She can buy insurance that lists you as an authorized driver from virtually any insurance company.

My uncle was a quad for many years but owned several vehicles in his name and had NO trouble getting insurance listing my aunt and cousins and the household aids as authorized drivers. (He had insurance in CA, MI, PA, MD, TX and FL)

Any agent who tells you otherwise is incompetent! Period!

Answer 2

Firstly, you must disclose that the vehicle is being leased. Secondly, the registered keeper must also be disclosed. The lease aspect of the quote would not normally be a problem but it is usually the registered keeper (as notified to DVLA) who should insure the car. You may encounter difficulties when obtaining quotations.

Is there a reason why, as the driver of the vehicle, you can't also be the registered keeper and insure it in your own name? This would resolve any issues an insurer might have with ownership/insurance on the vehicle.

Answer 3

You did not list what state you are in, and this can have an affect on how the policy would be written.
Contact your agent- he and his staff can tailor the coverages and drivers to meet your needs. Be wary of price. Price is great, but it isn't everything. Internet Insurance companies can get you good prices, but may not be as good at addressing unique situations such as yours. You could end up paying premium dollars only to find out that there is no coverage for a loss......and that would suck big time!

Answer 4

The insurance must be taken out in the name of the person who is the registered owner of the vehicle at DVLA. The registered owner can then name the driver of the car on their policy.

Answer 5

Is it a Motability vehicle?

If so then she does not need a licence.

She will have to inform them who are the designated/authorised drivers.

Motability arrange everything.

You are required to ensure that it is serviced as per schedules.

You are responsible for maintaining the vehicle in good condition and the vehicle will be inspected periodically by Motability. Scratches and dings and dents - an everyday hazard will have to be repaired and paid for by you.

You may not modify the vehicle without their permission.

You must ensure that you read all the documentation so you are fully aware of your responsibilities and liabilities.

You means the person Motability lease the vehicle to.

Answer 6

With direct line you could insure the car in your mother's name and have her as owner and registered keeper, but not have her listed as a driver.

I think they do this so disabled people car buy a car but have an employee (like a carer) drive them around. However, they should let anyone do it.

Answer 7

She is the named insured, you are a listed driver on the insurance policy. That simple.

Answer 8

Check with an auto insurance company

Answer 9

i dont know about the lease part of your question, but the insurance part.

she can by the insurance in her name and have only you as the driver, and not her.

Answer 10

If she can't drive then you can't get it in her name as she will need to provide a driving licence. Why can't you get it in your name if it's you that will be driving it?