How do i answer this question about car insurance?

My sister and i are on the loan for a car that I'm driving. We have insurance but im not on it. I want to put it under my name now, but when i get a quote online they ask if i've been insured for the past 2 or3 years i dont know what to say. Yes because the car HAS been insured or no because it was not under my name. Can i even get insurance if her name is on the loan too??
Thanks in advance