Talk Quesada forum

Hi all
A bit of discussion here, we own a car in the UK that we drive when home , we are insured through my grandaughters ins, are we legal allowed to own n drive a car in UK with Spanish licences???

Using a Spanish licence in UK is not a problem at all but insurance may be because a UK regged car must be insured with a company which is a member of the Motor Insurance Bureau and very few if any, will offer policies to non residents.

The real question then is what does "insured through my grandaughter's ins" mean?

If your daughter has insured a car whilst being 'economical' with the truth then in case of an accident it will all come out and you could well find the cover voided.

Even with us as named drivers?

There’s usually an assumption (by UK insurers) that you fulfil all the standard requirements which would include having a UK licence.

Any anomalies in your personal situation, non UK licence, residency, penalty points, etc; MUST be disclosed otherwise as Darro says, the cover is likely to be voided. The fact you are ‘named’ drivers would not matter if you don’t fulfil the above conditions.

Why does your daughter insure a car she does not own ?

jpeg wrote:Why does your daughter insure a car she does not own ?

Maybe because the owner could not insure it?

My late mother-in-law had a similar issue.

Resident in Spain, but owned a vehicle in the UK. The insurer (Admiral) would not allow HER to insure the vehicle, as she was not UK-resident.
She was also unable to be the registered keeper for the same reason.

Ultimately, she was the owner, her son was the registered keeper (he had the space to store the car), and her daughter insured the vehicle, with my mother-in-law as a named driver.

Wouldn't it be better if the car and the insurance was in your daughter's/grandaughter's name and the both of you were listed as named drivers. Insurance companies don't have an issue with people with non-UK driving licences as named drivers.

Bee

The car is in her name as we bought it from her

so you are not the registered owner then

millies123 wrote:Even with us as named drivers?

I don't read "insured through my granddaughters ins" as meaning that which is why I asked.

Who actually owns the car is not really the point but if she has insured it being 100% honest about who's car it really is and who principally will be driving it then there should be no problem.

If however the whole truth, without omitting material facts, has not been told then in case of an accident, or even a simple police stop, a jar of worms could pop open.

There is a very easy way to determine what the position is, phone the insurer and ask!