Can I insurance a car that is not in my name?

Can a car of a deceased person be insured?

Many times a driver has asked himself this question: can I leave my car to someone else if it is not included in the insurance? A long trip in which you take turns at the wheel with a friend, a relative who asks you for the car because his/her car is in the workshop or he/she doesn’t have one, your son/daughter who has just obtained his/her license and is eager to drive… There are many assumptions in which this question fits. We are going to try to solve it.

We say we are going to try, because the answer is not absolute and depends on several factors: from the characteristics of the contracted policy to the type of driver to whom you leave the car, including whether in the supposed accident the sporadic driver is at fault or the claimant.

Another fundamental aspect to take into account is whether this sporadic driver, in the event of an accident, is at fault or a victim. Although, as we shall see, whether he is considered a risk driver or not is again decisive.

To be on the safe side, it is necessary to be very clear about the coverage offered by our policy in these cases. This is usually detailed in the particular conditions of the insurance or, although on rare occasions, in the general conditions.

Policyholder other than the owner

In the first place we will find the person who will be called the policyholder, who in summary is the person who will contract the policy, will pay the premium and then all or most of the stipulated obligations will fall upon him/her. Following this we will see who is the owner of the automobile, that is to say the person who appears on the vehicle registration certificate, who will be obliged to insure the unit, who will obtain the corresponding indemnifications with the total or partial loss of the vehicle. And at the end we will see who is considered as the main driver or who will use the car most of the time, in relation to this may coincide with the named policyholder, or the owner.

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You have to know that each insurer will agree on certain clauses where it can be marked that the coverage for extra drivers or an insurance in the name of another person can lose its validity, and this can be done when the driver:

If I have an accident and the insurance is not in my name.

However, despite the fact that it is a compulsory insurance, not everyone has access to it. Sometimes, the type of driver or the vehicle in question are not the ones desired by the insurers and they tend to reject the applicant. If you find yourself in this situation and you do not understand why these companies are denying you the contracting of car insurance, here we give you some keys to help you.

The power/weight ratio and the cost of the brand are also fundamental when assessing the risk to be assumed in an insurance policy. The more powerful the car is and the heavier it is, the greater the chances of a collision. Regarding the make of the vehicle, insurers take into account the cost of its parts, since they are not the same for high-end cars as for those of a lower style.

Another factor that insurers take into account is the history of their new clients, which they can consult through the SINCO file provided by Tirea (Information and Network Technologies for Insurance Companies), a file in which almost all the companies in the sector are registered. In this file, insurance companies provide their clients’ data so that other companies can determine the risk they pose for them.

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Putting the car insurance in someone else’s name

As we have already mentioned, the car insurance contract is mandatory for every person who owns the vehicle, that is why the obligation falls on the owner, and among some of the requirements present to effectively create the policy, are the documents related to the title of the vehicle. It is for this reason that when creating an auto insurance policy in the name of another person who does not hold the title of the vehicle, both parties must present the pertinent documentation, some of these being the following:

In order to generate an auto insurance contract for a family member who does not hold the ownership of the insurance, it is necessary to present the documentation that proves the consent of the owner of the vehicle, the family record book and all the pertinent data of the person through whom the auto insurance will be created.  It should be noted that it is not necessary or mandatory that the person who drives or uses the vehicle on a regular or occasional basis has such insurance, but the person who holds the ownership of the vehicle, without the need that in the event of an accident, the person who is driving the vehicle has the relevant cards that prove the use of the vehicle and the authorization to circulate, such as the well-known blue card and green card.  Likewise, we will mention again here that in the event of a claim regarding the loss of the vehicle, this must be generated with the data of the insurance holder and the person who was driving, not the domain of the vehicle, since the expenses and the repairs of the vehicle as well as the services offered must be granted to the insurance holder, in the specific case to the son or daughter to whom the auto insurance contract is intended to be generated.

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