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Insurance

bear2022 · 2022-06-02 08:04:51

Hi my mother in law bought us a car on finance. Can we get insured in it and if so how?

02-06-2022 8:04am

#1
bear2022

Registered Users, Registered Users 2 Posts: 2 ✭

Join Date: June 2022

Posts:
Hi my mother in law bought us a car on finance. Can we get insured in it and if so how?

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car insurance cancel

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Comments

#2 02-06-2022 8:59am

bazz26

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Join Date: January 2005

Posts: 50637

Who is the registered owner of the car?
If it's your mother in law then most insurance companies will only allow the registered owner of the car to take out an insurance policy on it. It's one of the first questions they ask when seeking cover. You would have to be added to her policy as a named driver. However if she already has an existing car insured in her own name then she will not be able to use her existing no claims bonus on the one she financed for you as it can only be used on one policy.
I suppose changing the registered owner of the car from your mother in law to you could work but remember that the car is secured against a loan or finance in your mother in law's name so the finance company or bank can still reposess it if repayments stop irrespective of who the registered owner is.

1