“However, then the insurer owns the vehicle that the registration number is assigned to and therefore owns the rights to the registration number.
“You may be able to buy the plate back from your insurer, as long as they haven’t already sold it on or destroyed the vehicle.
“If your vehicle is stolen, with the plate, you’ll then have to wait 12 months to get your personalised plate back and prove the car had a valid MOT and tax at the time of theft.
“Registration numbers move with the vehicle they are assigned to, not the person who bought it. So, if the vehicle is written off and the car scrapped – the number plate can disappear with it.”