Can insurance be in the name of someone who is not the owner of the car?

Many drivers, when they are going to take out insurance for their vehicle, are unsure whether the insurance can be in the name of someone who is not the owner of the car. Find out the answer to your question here.

Many people wonder if it is possible to make a vehicle insurance in the name of a third party, that is, in your name when you are not the owner of the car.

See how this works and protect yourself by understanding whether the insurance may be in the name of someone who is not the owner of the vehicle!

When you take out insurance, there is the option of naming one person as the insured, another as the vehicle owner and yet another as the main driver.

It sounds a little confusing, but it's not.

Can the insurance be in the name of someone who is not the owner of the car?

This is a question that many people ask.

Can the insurance be in the name of someone who is not the owner of the car?

The answer is yes, but you need to pay attention to the “role” you will play in the insurance contract.

See below which situation you may fit into.

• Insured: This is the person who hires an insurance company to protect the vehicle.
• Car owner: This is the person whose name appears on the car's documents. In other words, they are the owner of the vehicle.
• Main driver: This is the person who uses the car the most. The insurance value will be calculated based on this person.

Now that you understand better, let's get back to the subject… can the insurance be in the name of someone who is not the owner?

Ask your questions

Below, we list the main questions and answers on the subject. Stay tuned!

Does every company accept insurance in the name of someone who is not the owner of the vehicle?

There are several possibilities when it comes to vehicle insurance and the insured does not own the car.

This is because it will all depend on each insurance company to accept or not whether the insurance can be in the name of someone who is not the owner of the vehicle.

In the same way that companies can accept the situations mentioned above, they can deny such a situation.

What they say is that each case is different.

However, normally, when there is a close degree of kinship between the person who owns the car and the person who drives it, companies tend to accept the deal.

But in some companies this possibility does not exist.

In other words, there are cases in which the owner must be the main driver of the vehicle.

There are several possibilities for acceptance by the taker vehicle insurance different owner and an insurer may or may not accept the three cases as being from different people.

It may be that all three situations are accepted as long as there is a relationship between the people; but it may still be the case that the insured must be the owner of the car or that the insured must be the main driver of the vehicle.

This is common, for example, when a father gives his son a car, but still doesn't think it's a good idea to put the vehicle in the young man's name.

It can also happen when the owner is an individual, and the main driver is someone else.

It could be a private driver, the owner's partner, children, etc.

Therefore, if you are in this situation where the three people are different, you need to find out from the insurance company about the rules used.

Do I need to say that the insured and the owner are different people?

It is important to remember that you should not omit, much less lie about, this information.

After all, this will influence decisions on compensation cases.

Also, be aware of whether people who do not have a license can take out insurance, and ask your questions directly to the insurance company.

There are people who claim to be the main driver in order to make their insurance cheaper. However, in the event of an accident, this information is put to the test.

A driver with years of experience behind the wheel, for example, will pay less for car insurance.

With this in mind, his young son asks his father to hire the vehicle insurance for him.

When taking out insurance, then, it will be cheaper, as the risk of accidents for older drivers is lower.

The lower someone's risk of loss, the lower the cost of their vehicle insurance.

But it is worth mentioning that the user's age is just one of the factors assessed by the insurer when quoting.

The company also considers aspects such as the car model, its type of use, parking location, etc.

Always tell the truth to the insurance company

It is essential to provide the insurer with all necessary information correctly.

Telling the truth will avoid problems in the future.

After all, as mentioned, after a claim the insurer assesses whether the information it has matches reality.

If not, it may accuse the consumer of fraud and refuse to pay compensation.

In this situation, the user will have to pay for the loss alone. The insurance company may also file a lawsuit against its policyholder.

Furthermore, under no circumstances, if there is a problem with the insured car, change the person who was driving the vehicle at the time of informing the insurer.

As seen in some cases, this can lead to serious problems.

The best thing to do is to clear up any doubts about the car insurance with the insurance broker or the insurer.

Who will receive compensation in the event of a total loss?

First, understand that the insured is the person who contracts the car insurancebut that does not mean that he has rights over the vehicle.

If a collision, theft or robbery occurs resulting in a total loss, the car owner will receive compensation.

The insurer will analyze the vehicle's CRLV and CRV and the amount will be compensated in the name that appears on the document.

If the car is in the name of the insured's mother, father, brother or other person, he or she will receive the compensation.

The same happens when the vehicle is in the company's name and the employee who uses the car takes out insurance for it. The company will receive the insurance.

Therefore, if you purchased a vehicle and did not transfer the documentation, the former owner will be entitled to it.

So, when purchasing a used vehicle, be sure to transfer the documents to your name.

If this has not been possible, inform the insurer as soon as possible to leave your insured vehicle!

She will be able to guide you on the best solution to the problem.

If the insurer wants to receive compensation, it will be necessary to contact the insurer and make the request.

However, this will not always be approved, because it depends on what is provided for in the contract.

What we can conclude is that the insurance may be in the name of someone who is not the owner of the car, but this can cause problems when it comes to receiving compensation. Of course, if the necessary precautions are not taken.

If possible, it is best to organize the documents and leave everything in the name of a single person.

How can I change the name on my car insurance contract?

To transfer the insurance to another person, simply contact the contracted insurance company. However, if you think it is better to change companies, the current client can cancel the insurance and you can contract directly with the company you want.

Understand that car insurance companies have different rules, so you need to contact the company and ask your questions. However, be careful if the insurance company you are hiring is registered with SUSEP. After all, there are companies, such as APVS insurance and others, which are not insurance companies, but also offer protection.

Which is the best insurance company to take out insurance for? by car?

There are many insurance companies in the national market and most of them offer good service. However, to find out which is the best car insurance company, it is important to do some research.

You can count on customer opinions and find out what their experience was like with a particular car insurance company.

This will make it easier to make a selection. To do this, you can rely on specialized websites, such as Procon and Reclame Aqui. In the case of the latter, for example, you can see what customer complaints are and how the insurance companies resolved them.

Then, make a list of about 5 companies and get quotes from each one to compare the vehicle insurance plans they offer. But don't just look at the price, but also the coverage.

Remember that car insurance is good if it meets your needs. Therefore, analyze which coverages are essential and whether the plan covers them.

Also, compare, within the type of plan you need, which companies offer the most advantages. These include extra services such as 24-hour towing and others, as well as the price charged.

What to do if the insurance company denies coverage

Insurance companies already know that they may have to deal with at least three people in a single insurance contract. car insurance: the insured, the vehicle owner and the main driver.

There are many times when the insured is neither the main driver nor the owner of the vehicle.

Care when taking out car insurance

Some insurance companies do not require that the insured and the vehicle owner be one and the same.

However, before taking out insurance or needing it, make sure you know the rules that the contracted company follows.

If you are part of a company that prevents protection for different people, cancel your contract and sign a new one in your name.

This will save you from hassles, as you must follow the rules imposed by the insurance company for the insured vehicle.

To avoid any problems when it comes to compensation, inform the insurance company about who owns the vehicle, who uses it the most and whose name the contract is in.

It is essential to make sure about the insurance compensation rules by carespecially those that refer to insurance in someone else's name.

The accident has already happened. What do I do?

If the loss has already occurred, talk to the insurance company.

The compensation process will most likely take much longer than expected.

However, the company can offer you a solution to the problem.

But remember: without a doubt, the most practical thing to do will be to leave your information updated and correct on the insurance company's form.

This way, the right person will be able to receive compensation, without delays.

In short: You must, first of all, know if there are different people for each situation and then find out from the insurance company about their rules.

When you get a quote here at Afrilatest, you can receive a personalized quote and ask your questions to a partner broker, who will indicate which insurance companies accept insurance in the name of someone who is not the owner of the car.

*Published in: 12/02/2015 and updated on 08/05/2022.