Main driver but not registered keeper - Which company will insure me?

You can but it seems that many insurance companies will refuse to quote you nowadays if the registered keeper is not the policyholder. There's no current law to enforce this rule but insurers have taken it upon themselves to make sure that the main driver is the policy holder to ensure fraud is not being committed on the part of the applicant.

I'm having problems obtaining insurance for a wheelchair adapted vehicle which has been bought by my 82yr old disabled mother (who has never/does not drive herself). The car has been purchased as Mum can no longer get into the normal family car owned by her husband. The main problem is that mother is the registered keeper of the adapted car whilst I am the only person who drives the adapted car (my father does not drive the adapted car as it is only used when taking my mum out, as fastening her wheelchair securely into the car is too diddly and difficult for him). At present the policy is in my father's name, with myself as an additional driver (this is the only way the insurance company would agree to offering a policy). I am 49yrs old with full no claims of my own on my own car, it seems ridiculous that I cannot obtain a policy in my name. I am concerned that if my father dies before my mother then I will be left with no policy and therefore not be able to use the adapted car. I think it is high time that insurance companies recognised that not everyone who is the registered keeper of a vehicle can drive. It seems to me insurance companies are discriminating against disabled people who cannot drive, yet own a car (listed as registered keeper) which they need someone else to drive for them. This adapted car is my mother's lifeline to the outside world