Can I Buy Impounded Car Insurance if I’m Not the Registered Keeper?

If your car has impounded, you should have a minimum of 30 days of special car insurance to retrieve it. Unfortunately, most standard car insurance policies will not provide cover if your car has been impounded, so impounded car insurance can fill this space. So, it is worth double-checking if you find your car has impounded.

Can a vehicle be impound without insurance?

Obviously, if your vehicle is not insure, it can impound, other reasons include:

  • Your car was illegally park or was causing an obstruction
  • The vehicle has not paid the road tax
  • It is being drive carelessly
  • Someone else driving your car without a valid driving license
  • It is abandon after a breakdown
  • The car was park on a public road
  • It was parked on private land without a SORN (statutory OFF Road Notification)

Can I buy Insurance If I’m not the register keeper of the car?

This largely depends on the insurance provider. Insurance providers will only provide you with the impounded car insurance cover if you are the registered keeper of the vehicle.
It is a similar situation when it comes to releasing your car and by law, impounded vehicles can only be given to the registered keeper. If you are a register owner and you can’t collect the vehicle in person, your representative will require proof of their identity and a letter confirming they have your permission to release it. They will also require proof that you can’t collect your car because you are;

  • Not in the country
  • Physically not able to release your car
  • If you are in a hospital or in jail, in this case, an authorization letter will be require
  • Not able to collect the car for other different circumstances

Documents required from the person collecting the impounded car on the registered keeper’s behalf

The person who retrieves the car would require to show proof of ID, registration document, and proof of address.
A letter of authorization from the register keeper will also needed as well as a copy of the driving license or passport which includes the signature of the register keeper.
A current driving license and vehicle insurance which covers getting your car out of impound will also be important, and this might be the most difficult. Many people have insurance that covers them for driving a car. That they don’t own but this almost invariably particularly excludes recovering an impounded car.

What will the cost to release an impounded car?

Release charges can differ depending on how long your car has impounded.
First, you will have to find out where your car has impounded. You can do this by contacting your local police pound. The police or NSL will guide you on how to release your car and how much it will cost.
To release your impounded car, you have to pay charges. You will charge for every day it has impounded. If your car is not tax, you will also need to pay a surety fee before it is release. After your car is release you can get a refund on the surety charges. So long as you tax the car and claim the refund within 14 days.

Can I insure a car I don’t own?

If you don’t have a car, or even if you have one, it can be good to drive someone else’s car from time to time. You may require to use your elderly relative’s vehicle to do their monthly shopping. And want the freedom of having access to a set of wheels. While you are chilling with friends.
Whatever the reason, there are many ways to find cheap impounded car insurance for a car you don’t own even if you are not the registered owner.
Wondering if you can insure a vehicle you don’t own? The simple answer is yes, you can take out a separate car insurance policy on someone else’s vehicle. However, ensure that you tell the insurance provider you are not the register owner of the car when you apply. It is worth shopping around because not all insurance companies will sell you main driver’s car insurance if you are not named on the vehicle’s registration certificate.
Other options for insuring a car you don’t own include getting a short-term impounded car insurance policy and adding yourself as a named driver on the car owner’s current insurance policy.


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