PCP car but brother wants it...

[[TW]Fox]

This sounds bizarre.
If you are allowed to sell the car with outstanding finance (and not settling the finance) then presumably the finance must be an unsecured loan (or at least not secured against the vehicle in question) in which case it is surely irrelevant to the whole transaction. If that is the case, I don't understand why you needed to sell her the car which as someone else pointed out presumably increases the number of keepers.
Perhaps there is some advantage in terms of cheaper insurance quotes(?)

It's bizarre because it's wrong - you can't sell a car which is on a PCP or a HP without permission from the lender because it doesn't belong to you. The circumstances under which a lender will give permission to sell the car are pretty much limited only to the impending sale of the vehicle for market value and settlement of the agreement using the proceeds.

I cannot imagine any lender would say 'Sure, sell our car to somebody for £1 and keep paying the finance'. Why would they? Would you let somebody sell your property for £1?

 

[scottomus0]

Cancel yours when he takes his own policy out.

Or call the existing insurer and ask to add him, but tellvthen he will be the main driver - not sure if they will do that mid term or not but no harm asking

I'd lose my NCB then so surely not best option since the year is only 2 months away.

 

[rodenal]

Ask them abkut switching the main driver then

Otherwise you'll just need to accept it's gone - if you end up with a co car for a few years you'll lose then anyway