My car in registered in my partners name and the insurance is under my name, our u still covered ?

Answer 1

A lot of the answers here are incorrect.

If you are partner live together then you can have the registration in their name and the insurance in your name with most companies in the UK as you are classed as having a vested financial interest in each others affairs, much as you would if you were married and so there is no problem. However you do need to let the insurance company know this so if you make a claim and they have to find documents then they are aware that they are in a different name.

If you do not live together then you are not classed as having a financial interest in each other's affairs and so both the insurance and registration would need to be in one person's name.

As I said, most companies operate on this principle, including all of those belonging to the RBS, Norwish Union, Admiral, Diamond etc....

Give the company a call to check they hold the right information - if you are partners who live together you may even be eligible for another discount

Answer 2

I had this problem. My (then) partner wrote off a car that was registered in my name at our shared address, that I had insured in her name. I remember pointing this out to the operator on the phone when I bought the policy and they were very happy to take my money. However, when it came to claiming, they were rather awkward about it. I told them that the car was insured in her name but I was the registered owner and I'd paid for the policy, all at the same address. Eventually, when they 'couldn't find the telephone call record', they did pay up.
Moral of the story is, you should have the policy holder the same as the registered keeper if you want to make your life as easy as possible.. (Which does bring the whole company car thing in to question I guess).

Answer 3

Technically, the registered owner/keep of the car should also insure it. However, insurers will generally accept transfer between spouses (or common-law partners) without any real problems.

Answer 4

No, because you cannot insure something you do not own. If there was an accident, the company will find out & deny coverage. Put your partners name on the insurance as a named insured ASAP. If the company will not allow you just to add your partner, they will have to purchase a separate policy & you will have to cancel yours.

Answer 5

The people who are covered will be named on the certificate of insurance. If a name doesn't appear, then that person isn't insured. If it says "Any driver..." you need to look at the schedule which forms part of the policy to see what it says, particularly about young, inexperienced &c. drivers

Answer 6

They have what is known as a non-insurers policy that you could get for you and then let your partner add their vehicle or you can just try to add them to your insurance. Most companies will allow you to add or take someone or something off of you policy. There will be a rate change though. If either of you have tickets that would cause your points to go up then your insurance will be affected as well.

Answer 7

Usually insurance companies require the registered to be main policy holder and others as named drivers.

Answer 8

Provided the insurance company know about and have accepted the facts then you are probably OK.

Please note 'Probably' insurance companies normally have no problem with husband/ wife having the registration the wrong way round but some are a bit finicky about different circumstances.

Answer 9

If your partners name is not on the insurance then only you are covered.Read the policy it may include other drivers.Some how unless you asked for extra cover I do not think you will have it.Good Luck

Answer 10

Your partner who owns the car should insure it in their name, then add you as a second driver :)