Can a car be registered in one name and insured in another in Australia?

Asked by: Dr. Maynard Lueilwitz I  |  Last update: January 4, 2023
Score: 4.3/5 (55 votes)

Yes, but only if you are the primary driver of the vehicle. For instance, you can get car insurance under your parents' name if you are simply an additional driver. If you're the main driver but you list someone else, this is car insurance fronting and it's technically insurance fraud.

Can insurance and Rego be in different names?

Can a car be registered and insured in different names? Most U.S. states allow their residents to register and insure their vehicles under different names. However, using separate names for the registration and insurance of a car may confuse the insurer and affect payment of settlements to insured drivers.

Can a car be insured in someone else name?

Yes, you can buy auto insurance coverage for someone else, as most companies allow the driver and policyholder to be in different names.

Can I insure a car that I don't own?

Non-owner car insurance tends to be a good — but limited — option if you need insurance for a car you don't own. Non-owner insurance works like standard liability car insurance and covers property damage and injuries to others after a car accident. It's usually purchased by: People who frequently rent cars.

Can car owner and policyholder be different?

Yes, you can take out a separate car insurance policy on someone else's car. Just tell the insurer you're not the owner or the registered keeper of the vehicle when you apply.

Check if a Vehicle You Drive or Own is Insured

33 related questions found

Do you have to be the registered owner of a vehicle to insure it Australia?

Can you insure a car that isn't registered in your name in Australia? Yes, but only if you are the primary driver of the vehicle. For instance, you can get car insurance under your parents' name if you are simply an additional driver.

Can the policyholder and the registered keeper be different?

Does a registered keeper have to be a policy holder? Technically, the registered keeper of a car doesn't need to be the insurance policy holder for that car. But some insurers won't let you be the policy holder unless you're the registered keeper.

Can I Tax a car if I'm not the registered keeper?

You can only tax the vehicle if you are the owner, as a V5C only proves you are the registered keeper of said vehicle. The Government website reads: "If you buy a vehicle that doesn't have a V5C vehicle registration certificate (log book), you may not be able to tax it.

Can I insure my girlfriend's car?

Can I add my girlfriend or boyfriend to my car insurance? Most insurers allow you to add a significant other, such as a boyfriend, girlfriend, fiancé, or domestic partner, to your car insurance policy if you live together.

Can I insure my boyfriend's car in my name?

That's right: unmarried couples are starting to purchase their automobile insurance together. If you're in (and can prove that you're in) a serious long-term relationship, then you might be able to insure your partner's car.

Can unmarried couples be on the same car insurance?

Most car insurance companies require that all household members be listed on your auto insurance, whether they are married or not. If unmarried persons own their cars individually, they must have separate auto insurance policies too.

Can my boyfriend and I share car insurance?

Yes, you can add your girlfriend or boyfriend to your car insurance. Generally, if you and your significant other live at the same address, your car insurance company will consider them a member of your household and request that you add your boyfriend or girlfriend to your car insurance policy.

Can I drive a car not registered in my name?

You can only legally do so if you have DOC cover in place or you're already insured on the other person's car. If you're not, you won't be legally permitted to drive the car – even in an emergency.

Can I drive a car taxed in someone else's name?

You can't drive a car on someone else's tax, either. The car policy gets cancelled once the ownership of the car is switched over. For example, if you buy a car in January that is taxed until March under the old owner's name, you can't use the tax. You'll need to get your tax sorted as soon as it's bought.

Can you tax a vehicle not in your name?

No, it isn't checked and a car can be taxed online when not in your name as long as you have the V5 doc ref. Beg to differ. It is checked electronically, and if a dealership has taxed the car THEY SHOULD have done the changes necessary online.

Can I insure my car in my mums name?

It depends. Some insurance providers will only insure you as the main driver if you're the car's owner or registered keeper. If you're having trouble getting cover from one insurance provider, it's worth contacting others for a quote. That's where we can help.

Does CTP have to be in same name as Rego?

The name on your CTP policy should match the name on your car registration. If more than one name must be on your CTP Green Slip, the registered owner must be listed first.

Can you drive someone else's car without being a named driver?

Every once in a while you may need to drive someone else's car. It might be an emergency or you may have permission from the car owner, but that doesn't mean it's legal. Unless you're a 'named driver' on their car insurance, you almost certainly won't be insured.

How do I add someone to my car insurance?

Adding someone to your car insurance is simple. You just need to get in touch with your insurer and let them know the details of your additional driver(s). Make sure to include full details of any convictions and claims they might have or you could be committing insurance fraud.

Can I be on my boyfriends insurance?

Most insurance companies allow unmarried couples to combine coverage—and thereby get discounts and other valuable benefits. But again, not all insurance agents or companies will offer these benefits to an unmarried couple.

Can you be on two different car insurance policies?

It's perfectly legal to have two auto insurance policies on one vehicle. Nonetheless, your insurance company may not be willing to insure the same vehicle twice. You may have to buy a second policy from another insurer and pay both bills.

Can you have multi car insurance at different addresses?

Insurers can sometimes offer cover for up to seven cars on one policy. You'll usually all have to live at the same address but some providers will cover family members who live at different addresses. Although multi car insurance is convenient, it might not be for everyone.

Can a household have different car insurance?

It is possible to have people with different car insurance policies in the household. If some of the members of your household have separate coverage from yours, you need to disclose this information and prove it when the insurance company inquires.

Who qualifies as a domestic partner?

Domestic partners are two persons, each aged 18 or older, who have chosen to live together in a committed relationship, who are not legally allowed to marry in the state in which they reside, and who have agreed to be jointly responsible for living expenses incurred during the domestic partnership.

Can my wife drive car?

What should I do if I need to drive someone else's car? If you want to drive someone else's car first check with your insurer to see the terms of a DOC. If you need to be driving it quite regularly your best bet would be to either get added as a named driver on their policy or take out temporary cover.