Car insurance questions
Ownership, addresses, unusual use, modifications, changing circumstances and claims.
Can I insure a car before I collect it?Yes. In most cases you can arrange cover before collection, provided you have the vehicle details and know when you want the policy to start.Can I insure a car that is not in my name?Sometimes. The insurer needs to know who owns and keeps the car, and not every insurer is willing to cover a policyholder who is not the registered keeper.Can I insure a car kept at a different address?Potentially, yes, but the insurer must be told where the car is normally kept overnight. That address can affect both availability and price.Can I insure a car with no MOT?It can be possible to arrange insurance, but insurance does not make an unroadworthy or untaxed car legal to drive on the road.Can I insure a car that is SORN?Yes. A SORN car can still be insured, and some owners choose cover against theft, fire or damage while it is off the road.Can I insure a car while waiting for the V5C?Usually, yes. You do not normally need to wait for the new V5C to arrive before arranging insurance, provided the ownership and vehicle details you give are correct.Can I insure a car bought at auction?Yes, assuming an insurer is willing to cover the vehicle and you can provide the details required for a quote.Does a private number plate affect car insurance?Usually the plate itself is not a major rating factor, but you should tell the insurer when the registration number changes.Do I need to tell my insurer about a replacement engine?Yes. A replacement engine should be disclosed, especially if its size, power or specification differs from the original.
Van insurance questions
Trades, tools, deliveries, employees, conversions and the many ways a working van can change.
Can I insure a van for private use only?Yes. Vans can be insured for social and domestic use where the vehicle is genuinely not being used for business.Can I insure a van before I start my business?Yes. You can normally arrange cover before trading begins, but the proposed business use needs to be described accurately.Can my wife drive my business van?Yes, if the policy covers her as a driver and the insurer accepts the way she will use it.Can an employee take a company van home at night?Yes, but the insurer should know the overnight address and that the employee has custody of the vehicle.Does keeping tools in a van affect the insurance?It can affect the risk, and the tools themselves are not necessarily covered by the van's motor policy.Do I need to declare a roof rack on van insurance?It is sensible to declare a permanently fitted or aftermarket roof rack because insurers differ on what they class as a modification.Does van signwriting count as a modification for insurance?Usually signwriting is straightforward, but you should still answer modification questions according to the insurer's definition.Do I need to declare shelving fitted inside my van?Often, yes, particularly if the shelving is permanent or professionally installed.Do I need to tell my insurer my van is ply-lined?Usually it is a minor modification, but it is still worth declaring if the insurer asks about non-standard fittings.
Why Prudent Plus is different
We are not trying to publish another generic guide to cheap motor insurance. The site is organised around narrow questions where the correct insurance answer depends on the details.
- Company
- Prudent Plus Limited — 10104295
- BIBA
- Membership 007759
- ICO
- ZB208127
- Comparison provider
- Seopa Ltd — FCA FRN 313860