Elise insurance for Non UK resident.

[Francelise]

I have an Elise in the UK that is registered in my name at my mums UK address.

The problem is, I can't insure it as they all say I need to live in the country for 6 months per year.

Ok, I thought, I will get a very good friend of mine to insure it but, the companies tell him, if it is not his, they can't insure the car.

The other thing is, the DVLA are just changing the private plate on the car so I don't have the V5 at present.

My thoughts were to just give the V5 to my friend and he could use it during the summer but not changing the name.

Can anyone help?

[Stu_00]

The only person that can insure the car is the registered keeper of the car. So you would have to change the ownership of the car to your friend, you will need the V5 document to do this. But you will then be transfering full ownership to your friend !

Alternativly give these guys a ring, they are specialists: http://www.stuartcollins.com/

Why not register to car in the country you are living ?

[Scuffers]

Stu_00 said:

The only person that can insure the car is the registered keeper of the car. So you would have to change the ownership of the car to your friend, you will need the V5 document to do this. But you will then be transfering full ownership to your friend !

Alternativly give these guys a ring, they are specialists: http://www.stuartcollins.com/

Why not register to car in the country you are living ?

that's just not right...

if you have a lease car, it's not registered or owned by you, yet it's insurable.

simple answer, use a UK address for the V5 and insurance, job done, makes no odds if you are a permanent resident or not.

there are st loads of people in this boat, non-UK residents running cars here on UK plates, with UK licences, on UK insurance.

find a better insurance co.

[Stu_00]

Good point - Sorry I was wrong on this one.

You live and learn

Scuffers said:

Stu_00 said:

The only person that can insure the car is the registered keeper of the car. So you would have to change the ownership of the car to your friend, you will need the V5 document to do this. But you will then be transfering full ownership to your friend !

Alternativly give these guys a ring, they are specialists: http://www.stuartcollins.com/

Why not register to car in the country you are living ?

that's just not right...

if you have a lease car, it's not registered or owned by you, yet it's insurable.

simple answer, use a UK address for the V5 and insurance, job done, makes no odds if you are a permanent resident or not.

there are st loads of people in this boat, non-UK residents running cars here on UK plates, with UK licences, on UK insurance.

find a better insurance co.

[Fatrat]

To insure a car you need to have an insurable interest and suffer a financial loss if the car is damaged/stolen.
So you can insure lease cars if you are responsible for the car under the terms of the lease but you cannot insure a mates car or a car that is already insured.

[Scuffers]

Fatrat said:

To insure a car you need to have an insurable interest and suffer a financial loss if the car is damaged/stolen.
So you can insure lease cars if you are responsible for the car under the terms of the lease but you cannot insure a mates car or a car that is already insured.

yes you can.

I have insured friends cars before, cars were not owned or registered to me, no problem.

[Francelise]

Every insurance company tells me I cannot insure it as I do not live there; I must reside in the UK for 6 months.

Get this, I cannot even be on my friends insurance because I am a non UK resident. And yes, I am British, was born there aswell as all my family tree!

I am not wanting to move the car abroad at this time.

Still no solution other than signing it over to my friend!

[Scuffers]

Francelise said:

Every insurance company tells me I cannot insure it as I do not live there; I must reside in the UK for 6 months.

Get this, I cannot even be on my friends insurance because I am a non UK resident. And yes, I am British, was born there aswell as all my family tree!

I am not wanting to move the car abroad at this time.

Still no solution other than signing it over to my friend!

something wrong here, I have added people to my insurance that are not British before (friends visiting etc) never had a problem.

[griffter]

Francelise said:

Get this, I cannot even be on my friends insurance because I am a non UK resident.

This is odd. My brother in law lives in Japan (has done for 15 years). When he returns to the UK, my father in law insures him for 4 weeks on the family Omega.

[chandrew]

I certainly get insured on my parents insurance and haven't lived in the UK for coming on to 7 years. That is registered in my mothers name and with me as a named driver.

I'm presuming your issue with it being put onto French plates is the test / changes that will be needed to be made. If you can get round this I'd have thought that is an option.

I would call your French insurance company (I'm presuming you have cars there). Alternatively go to a decent broker in either France or the UK. As noted, it can't be too rare an occurance - lots of people with second homes will have a car with the house, even if it's just a run-around.

[Francelise]

I have found an insurer that will do it. It is for non UK residents and I can keep the car in my name and have named drivers.

A few of you say that you have friends on your insurance or you go on your dad's insurance whilst being a non UK res. but, have you asked them if it is a problem that you are not in the UK for 6 months a year, i.e. you are an expat?!

I just want things in order so there is no question of problems waiting to bit me.

Thanks for the help in anycase. I am sorted now.

Roy

[goodwoodweirdo]

Try dayinsure if you live within the EU ... no problems to insure my UK plate car and drive back to Belgium... Its expensive on a per year basis but the idea is to use them for limited periods..

The policy was underwritten by Norwich union... maybe worth calling them directly and asking.

Belgium Licence and address / UK plate car / legal owner but not named on the logbook / including break down and EU coverage...

However the journey should end in the UK !

Cheers
Matt

[Ed.]

Francelise said:

I have found an insurer that will do it. It is for non UK residents and I can keep the car in my name and have named drivers.

A few of you say that you have friends on your insurance or you go on your dad's insurance whilst being a non UK res. but, have you asked them if it is a problem that you are not in the UK for 6 months a year, i.e. you are an expat?!

I just want things in order so there is no question of problems waiting to bit me.

Thanks for the help in anycase. I am sorted now.

Roy

I was insured on dad's car on a UK visit when I was living in Canada with a Canadian drivers license with no problems.

[LT2000DE]

My wife and I are both German residents, but on home trips she often uses her mothers car and gets put temporarily on her insurance with direct line. They know she is expat but it does seem to cost a lot.

I had problems getting a UK company to insure me on English plates because I'm not resident, Gaurdian Royal used to do a special policy but it stopped when Axa took over. I found a broker in Berlin that offered a policy on my UK plated car with Axa, its getting on for double the price it should be. The other major problem came when I tried to tax the car, the post office would not accept the policy.

Recently some new guys coming over here have used a broker in Wales also doing Axa policies for expats living in Germany, not sure but they might do them for other coutries.

[Ruairidh]

Hi - I am in the same position, (UK national with UK registered RHD Lotus Elise, but currently living in France, in my case I want to avoid transfering the car to french plates, as it will be re-sold in the UK once a buyer is found)

I see in the post that Francelise has solved the problem and found a suitable insurer.

I'd be very grateful to know which insurer was used.

Thank you
Sean, SW France

[chieflief]

I've not been able to be insured on any friend's (or family's) policy either when visiting the UK (from Canada). Actually, I could, but the cost of the insurance would have risen (at least in the most recent case) to a level nearly matching the value of the car itself. Seems silly, considering my driving history and insurance history (in North America AND the UK/Europe).

If what some of you say is true and it IS possible to be covered by insurance on a friends car, please post which companies are willing to do it! I make trips to the UK regularly... could come in handy. Gotta keep friends with cars, though.

[Medic-one]

chieflief said:

I've not been able to be insured on any friend's (or family's) policy either when visiting the UK (from Canada).

I stayed with a friend of my parents once before i moved to the UK and had no problem going on his insurance and driving his car for a couple of days, as a Dutch national with a Dutch driving license.

Not sure what insurance company it was but will find out.

[Francelise]

Send me a u2u, and maybe we can talk about it. Would be interested where you live out here.

I have the insurance sorted, not really expensive and covers me and 2 friends to drive it all over europe. But I suggest you contact me for all the options

Roy

Ruairidh said:

Hi - I am in the same position, (UK national with UK registered RHD Lotus Elise, but currently living in France, in my case I want to avoid transfering the car to french plates, as it will be re-sold in the UK once a buyer is found)

I see in the post that Francelise has solved the problem and found a suitable insurer.

I'd be very grateful to know which insurer was used.

Thank you
Sean, SW France

[chieflief]

Medic-one said:

chieflief said:

I've not been able to be insured on any friend's (or family's) policy either when visiting the UK (from Canada).

I stayed with a friend of my parents once before i moved to the UK and had no problem going on his insurance and driving his car for a couple of days, as a Dutch national with a Dutch driving license.

Not sure what insurance company it was but will find out.

Don't go to too much trouble, although much appreciated! I have a feeling it's difficult to get insurance because I'm on a North American license (British Columbia), not on one from somewhere in the EU. WIll find out at some point, I suppose. Cheers

[poreilly]

Could you tell me the name of the insurer.

Many thanks,
Paul.

Francelise said:

I have found an insurer that will do it. It is for non UK residents and I can keep the car in my name and have named drivers.

A few of you say that you have friends on your insurance or you go on your dad's insurance whilst being a non UK res. but, have you asked them if it is a problem that you are not in the UK for 6 months a year, i.e. you are an expat?!

I just want things in order so there is no question of problems waiting to bit me.

Thanks for the help in anycase. I am sorted now.

Roy