How to Buy Insurance for a Car Registered Under Someone Else's Name?

[DeCarter]

Materials required include the original and photocopy of the car owner's ID card; the original and photocopy of the car owner's driver's license; the original and photocopy of the vehicle's registration certificate. After approval, the policyholder pays the insurance premium. Once the policy is issued, the insurance contract takes effect.

[VonWyatt]

The car is under my friend's name, and I'm the one driving it. I can directly contact the insurance company to purchase insurance. The insurer said the car owner needs to write me a letter of authorization confirming my right to use the vehicle. Then, I applied online for a named driver insurance policy, filling in the owner's name and vehicle details, and selected a suitable package. The premium is slightly lower than the owner's rate, mainly based on driving record. The whole process was quite straightforward and took me less than an hour to complete. However, it's important to remember that the owner must be aware of this arrangement; otherwise, there could be disputes when filing claims after an accident. It's advisable to choose a reliable insurance provider—major companies usually have online customer service to guide you step by step. Avoid opting for smaller companies just to save money.