In UK why cannot someone buy car insurance without owning a car?

Update:

Please knowledgeable answers only

Update 2:

Now I know why this site is free

Does anyone know why a driver without a car cannot insure themself, with liability, to drive the car of a relative or friend in UK?

Update 3:

No twatty Yanks

9 Answers

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  • Neil
    Lv 7
    1 month ago

    The simple answer is that if you do not own (or lease or otherwise finance) the car, you do not have an "insurable interest" in it. If the car is damaged, it is the owner's loss, not the driver's loss.

    If you need to drive a friend or relatives car, the normal way to be insured is for the owner to add you to their existing insurance as a named driver.

    However you can purchase temporary car insurance, which will provide you with cover for another car provided that car is normally covered by a normal insurance policy. The Money Supermarket link below provides a good description of how such policies work.

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  • Anonymous
    1 month ago

    You need a motor traders insurance your insured for risk not a vehicle . I am covered for £3000000 

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  • 1 month ago

    If you don't own a car, then why would you need to buy car insurance?  There is no car to insure.  And 2 + 2 = 4, not 5 and not 6.

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  • Tavy
    Lv 7
    1 month ago

    Car insurance in 

    The U.K.  is on the car not a person.

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  • Scott
    Lv 6
    1 month ago

    You can't insure something you don't have. You can't buy homeowners insurance if you don't own a house, either.

    • Elaine M
      Lv 7
      1 month agoReport

      They don't seem to understand that simple concept.

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  • 1 month ago

    how can you insure something you dont own?..not just cars ..anything ..it makes zero sense ...however if your a motor trader you can buy traders insurance and drive any car ..

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  • Anonymous
    1 month ago

    They can. You may not be able to but they can.

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  • 1 month ago

    I would sell you car insurance if you don’t have a car. Easiest way to make money without taking any risks. 

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  • May
    Lv 5
    1 month ago

    Because we insure cars, not people.

    If you have no car, you have nothing to insure.

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