Money Expert > Car Insurance > How to insure a car you don’t own
How to insure a car you don’t own
Worry not. Our helpful guide explains the options available to you.
Last updated: 13/05/2025 | Estimated Reading Time: 6 minutes
Money Expert > Car Insurance > How to insure a car you don’t own
Worry not. Our helpful guide explains the options available to you.
Last updated: 13/05/2025 | Estimated Reading Time: 6 minutes
Whether you don't drive often or don't have access to your own car, sometimes it may be necessary to drive someone else's car or vehicle. But what happens when you need insurance for that situation? Here’s what you need to know.
The good news is, in the UK, you absolutely can insure a vehicle you don't own. However, it’s important to be upfront with the insurer. You must inform them that you’re neither the registered keeper nor the legal owner of the vehicle, and that you may need to rely on your own insurance policy .
The registered keeper is the person named on the registration certificate; the owner is usually the person who bought it. Often this is the same person but occasionally it isn't.
Regardless, insurers need clarity about your relationship to the vehicle. It’s also worth bearing in mind that providing incorrect information could be considered insurance fraud, so always be transparent.
Not all insurance providers offer policies for non-owners, but many do under specific circumstances. These conditions may include:
Some car insurance companies may only insure you as the main driver if you're also the registered keeper or with your own car insurance, so it’s worth shopping around to find the most flexible options.
But fear not, there are a handful of other ways you can get insured on a car you don't own, including exploring temporary insurance options.
If you want to drive a vehicle you don’t own, here are your best options:
Adding yourself as a named driver to the owner's existing policy is a great way to use a vehicle you don't own. If you’ll be driving the vehicle regularly, the easiest and often most affordable way is to be added to the owner's policy as a named driver.
This is a common solution for families, couples, and housemates. It's especially helpful for young drivers who may not yet own a car. If the car is owned by someone else, this method provides coverage without taking out a separate policy. Visit our guide on named driver insurance for full details.
Short-term car insurance or temporary car insurance can cover you from 1 to 28 days, or even up to three months. This is ideal if you’re borrowing a friend's car for a trip, test driving, or using it temporarily.
It offers separate cover from the car's main policyholder and is ideal if you're not automatically covered under someone else's policy.
You can take out your own policy on someone else's car, but this option is usually more expensive. Inform the insurer clearly that you're not the registered keeper or owner.
Be mindful that insurance fraud can occur if incorrect details are given, and claims could be denied. In this setup, the person listed on the policy must always reflect the accurate user.
Some fully comprehensive car insurance policies include a feature called "Driving Other Cars" (DOC). This typically provides third-party cover when you’re driving someone else’s vehicle, however, it's important to check the fine print. Not all policies include this anymore, and not all drivers are automatically covered.
Non-owner car insurance works the same way as standard insurance, except you must inform the insurer you're not the registered keeper or owner. It may be:
Other than that, the terms and conditions of your policy will be determined by how you're insured, whether that's as a named driver, through temporary car insurance or under your own comprehensive policy.
On the whole, you'll pay more in premiums for a vehicle you don't own than one you do. This is because insurers – rightly or wrongly – may view you as a higher risk if you’re not the legal owner. There’s a belief that drivers may be less cautious or more likely to claim if they don’t own the vehicle. However, there are cost-effective options:
Also note that your claims history and any penalty points on your licence may impact your premium price, especially if you are not the owner or registered keeper, and could lead to being caught driving without proper insurance .
Before taking out a non-owner insurance policy, it’s important to understand a few key considerations. First, you’ll need the vehicle owner’s permission to be covered under any policy. Some insurers may also require you to prove how frequently you drive the car, especially if the person responsible for the vehicle is someone else.
In the event of a claim, the pay-out may go directly to the registered owner of the vehicle, not to you.
Additionally, if the car already has an active insurance policy, having multiple policies on the same vehicle can lead to complications due to double insurance rules, so always check the policy documents carefully.
If non-owner car insurance isn’t available to you, or it falls outside of your budget, there are alternative ways to stay covered, and sometimes the cheapest way is to ask the car owner for coverage.
You could look into joining a car club or car sharing service, many of which include insurance as part of the membership. Company cars often have insurance arranged by the employer. Rental services also typically offer built-in insurance options.
Lastly, a practical and often cost-effective approach is to ask the car owner to add you as a named driver on their existing policy. For temporary cover, short-term policies are, typically, more expensive than standard premiums, though could still be the cheapest option if you know you only need insurance for a set period.
If you're in a situation where you need to drive a car you don't own, you're not without options. Whether it's through temporary car insurance, being added as a named driver, or exploring non-owner insurance, there are multiple ways to insure a car and get the right insurance for your situation.
Just make sure you're upfront with your insurer about your circumstances, consider your driving history, and always read the fine print. A bit of extra effort now can save you a lot of stress later.