Do I need to be the registered keeper?
Not always — but you must have a valid connection to the vehicle. This means that if the car was damaged or lost, you’d suffer a financial loss. This is known as insurable interest.
We can accept policies where the V5 is in the name of:
You, the policyholder
Your spouse, civil partner, or cohabiting partner
A parent, only if you live at the same address
A vehicle leasing company (12+ month lease)
Your employer, excluding roles in healthcare or fast food
We cannot accept V5s in the name of:
Friends
Extended family (siblings, grandparents, etc.)
Parents who live at a different address
Companies you or your partner don’t own
What happens if my situation isn’t acceptable?
If the V5 is in the name of someone who doesn’t meet the accepted criteria:
You won’t be able to start or continue a policy with us
We may cancel or refuse to insure the vehicle unless you change the ownership to an acceptable name
You’ll need to either update the V5 or cancel your policy
What if I’m in the process of changing the V5?
If you’ve recently bought a vehicle and are waiting for the V5 to be updated:
Please upload the green slip or a proof of purchase
Let us know you’ve applied for the V5
You must not delay — we can’t provide cover indefinitely without proof that the ownership is changing