No, I mean the charge. I know there's the scam, of not bothering to change the registered keeper, I don't see how it couldn't also be driving without insurance cos it's not straightforward to insure a car you don't own.
Named driver, insured on another vehicle (and get third party cover on other vehicles), etc.
But what makes you think she doesn't own the vehicle? I can't see anything in the article to suggest she doesn't.
@Greenbank started
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No, I mean the charge. I know there's the scam, of not bothering to change the registered keeper, I don't see how it couldn't also be driving without insurance cos it's not straightforward to insure a car you don't own.