Can you insure a car you don’t own?

Can you insure a car you don’t own? And if so, how? If you’re looking to insure a car that isn’t yours, read our guide and find out how to go about it. 

Can you insure a car you don’t own? And if so, how? If you’re looking to insure a car that isn’t yours, read our guide and find out how to go about it. 

Daniel Hutson
From the Motor team
minute read
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Posted 29 OCTOBER 2019

Can I insure a car that I don’t own?

There are all sorts of reasons you might want to get insured on someone else’s car. Let’s say you’re house-sitting for friends and plan on using their car while they’re away. Or you have a job that requires you to pick up your boss’s kids or run errands. It might just be that the car’s owner doesn’t use it much and is happy for you to borrow it.

Whatever the reason, if you don’t own the car, you’ll need to make sure you’ve got the right insurance in place to drive it. Here’s what to do.

How to get insured on someone else’s car

You have a few options:

  • Buy your own insurance policy Just be sure to tell insurance providers that you’re not the car’s owner or registered keeper when you apply.
  • Add yourself as a named driver on the car owner’s policy. Named driver insurance lets the policy holder add an additional driver – in this case, you – to their policy. It’s common for people to do this when their child, partner or friend wants to use their car.
  • Buy a short-term insurance policy
    This is ideal if you’re house-sitting for the car’s owners, or staying with them temporarily. Cover usually lasts between one and 28 days, but some insurance providers will cover you for up to three months.

    Please note that you can’t currently compare short-term car insurance with Compare the Market.

  • Check you’re not already insured
    Some fully comprehensive policies allow you to drive cars you don’t own. So if you have an insurance policy already, ask your insurance provider if you’re covered to drive other people’s cars.

Who is the ‘registered keeper’ of a car?

The car’s registered keeper isn’t always the owner. It’s whoever is named on the DVLA registration certificate. So you may be the registered keeper of your company car, for example.

If you’re not the car’s main driver or registered keeper, you’ll need to make sure you’re definitely covered to drive it.

Will all insurance providers cover me to drive someone else’s car?

Not necessarily. Some insurance providers will only cover you to drive a car you don’t own if it belongs to your spouse or partner, a parent, your employer, or a leasing company.

Does it cost more to get insurance for a car I don’t own? 

It could cost more as insurance providers might see you as a higher risk. They may assume you’re less likely to care about the car and might drive carelessly, or damage it. For that reason they may charge you more. 

How can I find insurance to drive someone else’s car?

That’s where we can help. Start a car insurance quote with us and we’ll search a wide range of trusted UK providers to help you find suitable cover.

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