Car insurance?

Question

What is penalty for driving a car with insurance but your name is not on the policy or is that ok to do

Answer 1

As you're on a UK & Ireland site, ignore the American answers - it's a totally different system over there.

You need to read the policy carefully. Usually the cover will be for the owner only, or sometimes for the owner and a named driver. Rarely, it is for any authorised driver - that's more usual for fleet vehicles etc. If you do not come into the above categories, you are not insured. It's a serious offence to drive without insurance. You'll receive 6 - 8 points and a hefty fine. It's also possible that the owner will be prosecuted for permitting you to do it.

Answer 2

I assume you are driving someone else's car. If it is your car and you have an insurance policy then you are known as 'The Policyholder' and in 99+% of the cases the certificate states.

Who May Drive?

The Policyholder

or 'Anyone driving on the policyholder's order or with their permission'

And the above probably covers you if you are driving a car insured for 'Any authorised driver'.

So your name does not have to be on the certificate, but you have to be able to be described. I suggest you contact your broker or your friend who is allowing you to drive do the same just to check.

If, however, you are driving a vehicle that is the subject of an insurance policy but you are not allowed by that policy to drive then it is exactly the same as driving without insurance. To be legal there must be an insurance policy covering YOUR USE of THAT VEHICLE. (148 RTA)

Jane Goody got 14 points and a £1500 fine (6 months disqualification) but that was exceptional.

Answer 3

Okay, most of the answers you're getting here are a little off, so I'll let you know how it works.

With most insurance companies (State Farm, Allstate, Nationwide specifically, plus some more), anyone with 'legal and permittable usage' can drive a car they insure. HOWEVER, if you are in the same household as the policyholder and are driving their car, you can be considered as an 'undisclosed driver' - in that case, you get in a wreck and they will not cover. Really, it varies company to company, but most of your Top 6 companies follow this same rule. So in short, for the most part, you're covered so long as you're not in the same household as the owner of that car.

Now, the best thing for you to do is call that insurance company and simply ask "If I'm driving a car insured by one of your customers, am I covered?". You don't have to tell them the policy information and get that person in trouble, but you've got to take care of yourself.

You have the option of getting what's called a Named Not Owner policy to cover your liability if you're in an accident just in case. Look into it!

Answer 4

As far as most private car insurance policies are concerned, if your name is not on the policy then you are not insured to drive the car.

Expect to be disqualified/banned from driving for driving without insurance.

Answer 5

You have to have insurance while driving any car. If the car is insured by a family member, your name must be on the policy.

The fines are very high, and the car can be impounded, and you can get jail time(very rare though) in some instances.

Cops can look up the registration information from their in-car computers, they can see if its insured, and by who. I wouldnt risk driving around without it.

Answer 6

I might suggest that you visit this web site where you can get rates from different companies: http://INSUREQUOTE.US/index.html?src=2YAmeiczRR25

RE :Car insurance?
What is penalty for driving a car with insurance but your name is not on the policy or is that ok to do
Follow 14 answers

Answer 7

The car is insured with a named driver. If you are not named then you are driving without insurance and will be taken to court.

Answer 8

Get insurance quotes

Answer 9

Possibly 6-8 points and a fine

Answer 10

no you have to be a named driver on that car or you have to have a comprehensive insurance on your own car which MAY cover you if you drive someone else's!