Can You Insure an Impounded Car for Someone Else?

So, your mate or a family member's car has been impounded, and now they're looking at you with that “please help me” expression. You're wondering; can you just sort out the insurance in your name and get it released?

Sounds logical, would you agree? Unfortunately, insurance companies don't see it that way.

Most insurers have strict rules when it comes to impounded cars. In most cases, the policyholder must be the registered keeper of the vehicle. That means if your name isn't on the logbook, getting insurance in your name is going to be like trying to push a boulder uphill; frustrating and probably not happening.

Why Can't You Just Insure the Car Yourself?

Here's where things get complicated:

• The insurance has to match the registered keeper – Pounds won't usually release a car unless the insurance policy is in the owner's name.
• Insurers don't like third-party involvement – Even if you're just trying to help, many providers won't allow you to insure someone else's car for impound release.
• The only possible loophole? – The owner could transfer the car into your name, and then you'd be able to insure it. It's a bit of a hassle and takes time, but sometimes it's the only way.

What Can You Do Instead?

If you've hit a dead end, don't give up just yet; there are still ways to get that car back.

1. Speak to a Specialist Insurance Provider

Most regular insurers want nothing to do with impounded cars. But there are specialist providers who understand the rules and might be able to help. They could offer:

• Policies that meet the pound's strict requirements.
• Advice on whether ownership transfer is a viable option.
• Other potential workarounds that could speed up the process.

A quick call with an expert might save you hours of stress.

2. Try Alternative Ways to Retrieve the Car

If getting insurance in the owner's name isn't working, here are some backup options:

• Transfer ownership – If the owner can't get insured, they could temporarily transfer the car to you, allowing you to insure it yourself. But this has to be officially registered with the DVLA, which takes time.
• Hire a recovery service – Some haulage companies will tow the car for you without requiring insurance. Yes, you'll have to pay a transport fee, but it might be quicker and easier than battling with insurance companies.
• Check fleet insurance – If the car is part of a business fleet, the company's existing insurance might already cover impound release. It's worth checking!

Don't Wait; Storage Fees Stack Up Fast

If you take too long to figure this out, you could be looking at a much bigger bill. Here's why:

• Storage fees increase daily – Yes, every single day your car sits in the pound, you're paying for it.
• Your car could be auctioned or scrapped – Wait too long, and it could be gone forever.
• Once it's gone, it's gone – There's no magical "undo" button for a crushed car.

So, if you're trying to help a friend or family member get their car back, act fast. Whether it's sorting out insurance or arranging another retrieval method, do it ASAP to avoid extra costs and stress.

Need Help with Impound Insurance?

Not sure where to start? Need a quick quote? Phone the number below; they will do their best to help you figure it out before the fees spiral out of control.

⚠ Final Reminder: You have seven working days from the date on your seizure notice to collect the vehicle. Miss that deadline? It could be gone for good.