Yes, some insurers accept arrangements where the main driver and registered keeper are different people. The relationship must be disclosed accurately because not every insurer accepts every arrangement.

How insurers commonly treat this

• Financed, family-owned and company vehicles can create different owner, keeper and driver roles.
• The V5C identifies the registered keeper; it is not proof of legal ownership.
• The quotation form may ask about owner, keeper, policyholder and main driver separately.

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.