A policy can often be arranged in advance of the vehicle changing keeper, provided the insurer is given the true ownership and keeper position and the cover starts when the buyer becomes responsible for the vehicle.

How insurers commonly treat this

• The registered keeper, legal owner, policyholder and main driver can be different people.
• Insurers ask about those roles separately because they can affect whether a quotation is available.
• Finance arrangements can also mean that the finance company retains legal title while the customer is the registered keeper and main user.

What the quotation may ask for

Quotation forms use the information supplied to determine which insurers can offer cover and on what terms. Where the available answer does not accurately describe the circumstances, the insurer or comparison provider can clarify how that information is recorded.