Can a car registered to someone else be insured by someone else?

Insuring someone elses car

Yes, Someone else can insure it for driving purposes, However you may have trouble renewing a vehicle annual registration if your jurisdiction requires the registered owner be on the policy.

It's usually best to name yourself as well as the owner as covered drivers though. Protect your interests as well as the owners interest in the vehicle you've been given access.

When done the right way, you'll have no problem with registration and inspection, you also have full disclosure with your insurer. Failure to disclose could void your policy so honesty is always the best policy.

Your Agent can advise you of appropriate coverage for your driving situation and habits.

Happy Motoring
Insurance on Another persons Car?

Yes, You can Insure the property of another person. So Long as you have authorization to do so and the owner is benefited, or an other insurable interest in that property exists.

An example would be a case where dad says " OK, you can use my spare car but you gotta get your own coverage".

If You have permissive use from the owner of a vehicle, then obviously you have an insurable interest. However, Only the Legal owner of the Property or the designated agent of the owner can receive compensation for the property in the event of a covered property loss.

If you are insuring for liability only then this is not an issue. If you buy full property coverage, Then Dad will be proud and happy you were prudent enough to fully insure his and your interest in the vehicle he loaned you.

List all drivers for liability purposes and list dad for property and liability interest.

Another example would be almost every time we Rent A Car. When we purchase the daily insurance with the rental car we insure our liabilities in the use of Someone Else's Vehicle.

You can not insure the property of another when no insurable interest exists. It would be unlawful to insure the property or life of another where the intent is to gain unduly from another persons loss.