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How do I purchase Gap Insurance on my pre-reg car if I'm not the registered keeper yet?

I bought a pre-registered car with 10 miles on the clock recently. However, as it's classified as a demo model, the Mazda dealer tells me they must keep the V5 for 90 days. When trying to purchase Gap Insurance (I declined Mazda's offer), I read that I must be the registered keeper. in the Terms and Conditions. Am I the keeper in the eyes of the insurer? If not, how do I resolve this situation?

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Buy the car in 90 days rather than now and wait until it's yours. Ignore what the dealer is telling you. The dealer needing to pre-register to hit his sales targets is not your problem. You need the V5 to be in your name.
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Best available rate 9.20%

Total repayment £8,930.17

Total cost of credit £1,430.17

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Borrowing £7,500 over 4 years with a representative APR of 25.4%, an annual interest rate of 25.4% (Fixed) and a deposit of £0.00, the amount payable would be £239.77 per month, with a total cost of credit of £4,008.96 and a total amount payable of £11,508.96.

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