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    Car insurance Owner/Keeper?

    I'm trying to get insurance for my car, but the problems is that in some fields I don't know what to put.

    My dad has given me his car, he is the registered owner and the registered keeper. Since I don't own the car and the logbook it doens't say I'm the registered keeper what do I put down for registered keeper? Because even though I will be using it from now on, legally i'm not the registered keeper because it doesn't say my name on the logbook!

    Also I'm adding my dad as a named driver so he can also drive it, but where it says 'Access to other cars', what do I put? My dad is a named driver on my brothers company car, but he ALSO owns this car! So do I put down he 'owns another car' (which is in fact this car I am getting insurance for!), or named driver on another policy?

    35 Comments

    I dont think you can take insurance out in your name unless you are the registered keeper. I had to transfer my son's car into his name before he could take out his own policy.

    why dont you just put the policy in your dads name and you be a named driver

    Do it right, register the car in your name.

    or put the car in your name, you got to be the registered keeper to be main policy holder, tryed doing this few years back where my car was under my name but insurance was working out cheaper if my mum was main policy holder and i was named driver so just transferred my car to my mums name. but becomes very difficult if you go through speed cam red lights etc

    bargain buyer;7838280

    or put the car in your name, you got to be the registered keeper to be … or put the car in your name, you got to be the registered keeper to be main policy holder, tryed doing this few years back where my car was under my name but insurance was working out cheaper if my mum was main policy holder and i was named driver so just transferred my car to my mums name. but becomes very difficult if you go through speed cam red lights etc



    It is known as " fronting " and could leave the OP uninsured, so not good advice.

    Original Poster

    kingy58;7838237

    I dont think you can take insurance out in your name unless you are the … I dont think you can take insurance out in your name unless you are the registered keeper. I had to transfer my son's car into his name before he could take out his own policy.





    bargain buyer;7838245

    why dont you just put the policy in your dads name and you be a named … why dont you just put the policy in your dads name and you be a named driver



    I would but I work/live far from home so the policy needs to be in my name.

    Inactive;7838261

    Do it right, register the car in your name.



    How long does this take? Will this affect the value of the car i.e. no. of owners of a car makes the value go down.

    What about 'Access to other vehicles?'

    Inactive;7838289

    It is known as " fronting " and could leave the OP uninsured, so not good … It is known as " fronting " and could leave the OP uninsured, so not good advice.



    he would have been uninsured anyway if he put his name as main policyholder where his dad owns the car

    rash;7838301

    I would but I work/live far from home so the policy needs to be in my … I would but I work/live far from home so the policy needs to be in my name.How long does this take? Will this affect the value of the car i.e. no. of owners of a car makes the value go down.What about 'Access to other vehicles?'



    to transfer the name takes about 3 weeks to come back, but if you do send the logbook off send it special del, cus i live bout 10 mins away from dvla and know that a load of idiots work there loads of files go "accidently" missing

    [QUOTE=rash;7838301


    How long does this take? Will this affect the value of the car i.e. no. of owners of a car makes the value go down.

    '[/QUOTE]

    It may reduce the value very slightly, however it is still in the same family, so not very much.

    Original Poster

    So basically I need to be the registered keeper on the log book for me to be able to get insurance? Otherwise it won't be valid?


    The difference in about £50/60 so may aswell leave it in my dads name and me as the registered keeper?

    if your changing everything in your name and your dad a named driver you will have to put he has access to other cars but wont make a difference with price etc

    rash;7838354

    Transferring ownership is not what I want, it'll have extra 'owners' on … Transferring ownership is not what I want, it'll have extra 'owners' on the car and it will put the value down.However that different registered owner and keeper puts the car insurance higher! I'm not sure what I should do.



    You either stick by the rules, or risk paying for invalid insurance.

    rash;7838354

    editing.....



    well thats the only way your going to get insurance in your own name is by putting car in your name

    Original Poster

    bargain buyer;7838376

    well thats the only way your going to get insurance in your own name is … well thats the only way your going to get insurance in your own name is by putting car in your name



    Or buy saying I'm the registered keeper, yes?

    Banned

    Inactive;7838369

    You either stick by the rules, or risk paying for invalid insurance.


    exactly. Having an extra owner wont really de-value it anyway. Just do it properly and get it transferred to you.

    rash;7838388

    Or buy saying I'm the registered keeper, yes?



    but your insurance will be void as your not the registered keeper

    rash;7838354

    Transferring ownership is not what I want, it'll have extra 'owners' on … Transferring ownership is not what I want, it'll have extra 'owners' on the car and it will put the value down.However that different registered owner and keeper puts the car insurance higher! I'm not sure what I should do.


    Number of owners doesn't really affect the car's value. I'm guessing you are a youngish driver and unfortunately the old way of Mum and Dad taking the policy and child being a named driver is becoming nigh impossible because of what has already been mentioned, "fronting". Quinn Direct are still one company that allow parents to own the car and child to be a named driver (I have this still with my youngest). Unfortunately it is more likely that you will have to bite the bullet and take out your own policy but you must own the car to do this. You can send off the logbook to DVLA for change of owner but still take out the insurance before you get it back.

    2 options....
    1) ILLEGAL!! (fronting as mentioned above) leave it in your dads name, you as a named driver...If you have an accident anywhere other than near your dads address then chances are theyll find out how youve done it and youll be classed as uninsured

    2) (The right/normal way) Transfer the name of ownership on the car into your name....have your dad on it as a named driver, it will/may slightly decrease the value of the car but your dad has given you the car....you are the new owner....so I dont really see the problem, ofcourse its going to devalue it :thinking:

    Basically people tend to use option 1 to get their own insurance down as some companies let you build up NCB as a named driver...regardless of why your doing it, its still illegal.

    Only way to logically do it is transfer the car into your name (after all you said it was a gift and therefore is now yours) then get the insurance in your own name and put your dad on named.

    As for the access to other cars, if your dad is insured on or authorised to drive other cars then yes, he has access to other cars :? Once 'this' car is in your name he wont own this one legally :?

    lil_tiger;7838410

    2 options....1) ILLEGAL!! (fronting as mentioned above) leave it in your … 2 options....1) ILLEGAL!! (fronting as mentioned above) leave it in your dads name, you as a named driver...If you have an accident anywhere other than near your dads address then chances are theyll find out how youve done it and youll be classed as uninsured2) (The right/normal way) Transfer the name of ownership on the car into your name....have your dad on it as a named driver, it will/may slightly decrease the value of the car but your dad has given you the car....you are the new owner....so I dont really see the problem, ofcourse its going to devalue it :thinking:Basically people tend to use option 1 to get their own insurance down as some companies let you build up NCB as a named driver...regardless of why your doing it, its still illegal.Only way to logically do it is transfer the car into your name (after all you said it was a gift and therefore is now yours) then get the insurance in your own name and put your dad on named. As for the access to other cars, if your dad is insured on or authorised to drive other cars then yes, he has access to other cars :? Once 'this' car is in your name he wont own this one legally :?



    i didnt realise that he wasnt living with his dad thats why i mentioned him as a named driver. as when i did it i was living at home with my parnets and insurance company said it was ok as long as it was put down that i used the car frequnetly

    bargain buyer;7838437

    i didnt realise that he wasnt living with his dad thats why i mentioned … i didnt realise that he wasnt living with his dad thats why i mentioned him as a named driver. as when i did it i was living at home with my parnets and insurance company said it was ok as long as it was put down that i used the car frequnetly



    They may well have told you that, but I bet it wasn't in the policy, which is all that matters.

    Inactive;7838452

    They may well have told you that, but I bet it wasn't in the policy, … They may well have told you that, but I bet it wasn't in the policy, which is all that matters.



    to be honest with you i cant remember as my mum done it all plus it was 8 years ago so things may have changed

    bargain buyer;7838437

    i didnt realise that he wasnt living with his dad thats why i mentioned … i didnt realise that he wasnt living with his dad thats why i mentioned him as a named driver. as when i did it i was living at home with my parnets and insurance company said it was ok as long as it was put down that i used the car frequnetly



    yeah thats kinda different....its harder to disprove....but I know insurance companies dig into where the owner lives, and if its nowhere near the accident/incidents then theyll look into it....if the accident is near neither address (owner and driver) then theyll try their best to prove fronting, if its close to the drivers (not owners) address then they generally prove its illegal. When you both live at the same address then its pretty much impossible to prove who uses the car most.

    its best you just put the car in your own name. because if you keep it in your dads, and put on insurance that your registered keeper, if you do need to claim off insurance they will check, and will take you on for fraud and god knows what, making future insurance companys refusing you

    Original Poster

    Thanks for all your help guys. I want the insurance in my name - it has to be in my name because I live/work away from home, *fronting* is not something I am considering. because I am 23 and not living in an insurance blackspot my insurance is not bad price.

    It's the registered owner and keeper things that got me confused (I am going to do it buy the book ofcourse). As far as I understand in order for me to be insured I need to be

    a) A registered keeper (but not necessarily the owner).

    How would the value of the car be affected if I was the registere keeper? And the registered owner?

    Banned

    I done this a couple of years ago where my gf's parents owned the car and i was in the process of buying it. When it aks who owns the car just put relative or family which ever it maybe?

    Original Poster

    I've just got insurance from Admiral - asked them (at least 3 times) if it mattered that I was NOT the registered keeper and they said it doesn't matter!!!!!!!

    Me as policy holder and dad as additional driver.

    Your dad can still be the registered keeper of the car, and NOT have to be on your insurance... My dad brought me a car and we left the V5 in his name, i spoke with my insurance company and they said that he doesn't need to be insured on the car. As long as you put you are not the registered keeper on you insurance its fine..

    I am registered keeper of the car that i have given to my daughter. She is insured as the main driver, me as occasional driver within an admiral multi car policy. she gets her no claims discount building up. Only issue will be when the car is eventually sold i will have to sign it over

    Inactive

    It is known as " fronting " and could leave the OP uninsured, so not good … It is known as " fronting " and could leave the OP uninsured, so not good advice.




    It's only fronting if you don't declare yourself as the main driver.

    lil_tiger

    2 options....1) ILLEGAL!! (fronting as mentioned above) leave it in your … 2 options....1) ILLEGAL!! (fronting as mentioned above) leave it in your dads name, you as a named driver...If you have an accident anywhere other than near your dads address then chances are theyll find out how youve done it and youll be classed as uninsured



    Grrr - it's not illegal! It's only fraudulent if you don't declare you are the main driver.

    SuffolkLad222

    It's only fronting if you don't declare yourself as the main driver.



    Thread is nearly 5 years old..oO

    Inactive

    Thread is nearly 5 years old..oO



    Oh yeah - I wonder if he / she got it sorted

    Original Poster

    Indeed I have it sorted! It's fine as I'm declared as the main driver, it's not a problem!

    I bought a car for my ex partner to use, receipt in my name and have proof on my bank statement, but the logo book in his name and he wont return the vechile, am I the legal owner

    Banned

    smith2412

    I bought a car for my ex partner to use, receipt in my name and have … I bought a car for my ex partner to use, receipt in my name and have proof on my bank statement, but the logo book in his name and he wont return the vechile, am I the legal owner



    I would think you will have a problem proving he is not the owner. He could say you gifted it to him.
    Edited by: "toshapetriji" 23rd Mar 2015
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