Car insurance in other name than owner: is it possible?
Is it possible to take outcar insurance in a name other than the owner? Insurers will not readily cooperate. In the Netherlands it is so arranged that the holder of the registration certificate is obliged to have insurance. He or she must therefore insure the car.
As a license plate holder, why wouldn't you buy your own car insurance even though you are required to? Below we describe some situations in which this may be the case.
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Car insurance in partner's name
With partners, it can happen that one partner may put the vehicle in their name and be the license plate holder, but the other partner wants to insure the car. Most insurers have no problem with this.
Non-partners
When non-partners want to purchase car insurance in another name, the company will often not cooperate. This is usually to get around a registration that the licensee has in his name. The term "blacklist" is also used colloquially when, for example, someone has driven a lot of damage or has been banned from driving. There is no such "blacklist" for insurance. However, you can be registered if you have filed a claim with your insurer. However, a company can always see who the license plate holder is and will run a check for that person as well.
Level of premium age dependent
The amount of the premium for auto insurance depends in part on the driver's age. Young drivers pay more premium. To get around this higher premium, it happens that young license plate holders have the car insured by, for example, one of the parents. Again, the insurer can indeed see who the license plate holder is.
Policyholder interest
If the policyholder is not the license plate holder or owner of the car, they feel less responsible for the car. The risk is then greater that the premium will not be paid or that damage will be done to the car. Insurers will therefore be reluctant to take out car insurance in a name other than the owner.
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