Insurance

Adrian Flux springs to mind. They specialise in things that are a bit different.

Colin

I would imagine that could work out quite expensive? My motorhome is insured through the CMC and when I asked if I could add one of my son's on a temporary basis they said they could only do it for the full year which I think was about £90!!! Do you actually need 6 drivers to be on the insurance because the lower number of drivers would keep the cost down. Although I have always insured my motorhomes via the Club many use Comfort Insurance who tend to specialise in motorhome insurance.

David

Can you leave it to each of the drivers to arrange insurance for themselves  - by urging them to contact their existing car insurer and take out temporary insurance to drive a borrowed vehicle .? Would that work? 

I understood it was only possible to insure a vehicle you own.🤷🏻‍♂️

What about hire cars? You pay for insurance on those .... 😉

I insure one of our cars in my name though the V5 is in EmilysMum's name

With hire cars you pay the hire company the equivalent of the insurance cost.

Maybe the technical difference between owner and keeper comes into it?

I only repeated my understanding and didn’t state it was gospel truth so am quite willing for someone to tell it as it is.👍🏻

I would think the registered keeper can insure a vehicle.

Some years ago the towing electrics on one of my Land Rovers went while still under warranty. Land Rover get you a hire car when your vehicle is off the road while under warranty. The hire company Said  the problem was their insurance did not cover towing. I contacted my insurance LV no problem they Said give us the registration of the hire car and it will be insured for towing till you get your vehicle back. They sent confirmation to to the hire company which they were happy with.

You have to have what is called "insurable Interest" to take out the insurance. Hire cars pass this interest on to the hirer through contractual terms whilst retaining full rights for any damage done to the car, ie they get paid out not the hirer.

I cannot insure next doors car as I do not any legal interest in it. If I did insure it and it was written off then the Insurer would have to pay the money to me and next door would have to hope that I gave him the money. Too much hassle for Insurance Companies. The registration and V5 should technically be in the same name as far as I am aware and there was some leeway when I worked in the industry for husband and spouse to mix and match but not all insurance companies felt that way. Can't say what the lay of the land is today though.

Thanks, WN.