Insuring a car when not a registered keeper

calleyw

Right I was having a chat with colleague today about cars and it cropped up and they said that only the registered keeper can insure a car.

Is that true? or are they pulling my leg.

I mean people can be registered owners of cars and not even drive. But someone else drives it on there behalf maybe they are disabled.

I believe that two people can't takeout separate insurance policies out on the same car. But it seemed strange to me that only the registered keeper can insure a car.

Yours


Calley

candice56

Im pretty sure thats true actually, they definately ask when you get a quote.

The example you give is maybe an exception?? or that type of thing might be through a Motabilty insurance.

Im sure lots of people change the registered keeper within the family and never mention it to the ins co but its worth making sure youre not invalidating your own cover.

calleyw

candice56 wrote: »

Im pretty sure thats true actually, they definately ask when you get a quote.

Do they I don't ever remember being asked this question.

candice56 wrote: »

The example you give is maybe an exception?? or that type of thing might be through a Motabilty insurance.

Im sure lots of people change the registered keeper within the family and never mention it to the ins co but its worth making sure youre not invalidating your own cover.

I believe that being the owner and registered keeper are two different things. Something to do with financial interest.

And I understand for insurance purposes if people are registering the car in there childrens names and then being on the insurance to make it cheaper they might be funny. I would have though that insurance companies could or would check the DVLA database.

Yours


Calley

flutterbyuk25

It's not completely true, it depends on the insurance company.

There is normally a question along the lines of "are you the registered keeper of the vehicle?". To provide insurance to you, you need to show that you have an interest in the vehicle - such as being registered keeper, or legal owner (not necessarily the same as the registered keeper), or spouse of... or employer of....

HTH

x

flutterbyuk25

calleyw wrote: »

I would have though that insurance companies could or would check the DVLA database.

Insurance companies have no direct access to DVLA databases. They can request information as to who is the keeper of a vehicle if they provide "reasonable cause" to have access to this information for a small fee, same as anyone can.

x

calleyw

flutterbyuk25 wrote: »

Insurance companies have no direct access to DVLA databases. They can request information as to who is the keeper of a vehicle if they provide "reasonable cause" to have access to this information for a small fee, same as anyone can.

x

I didn't mean direct access. But would have thought if they had concerns over certain insurance policies that they might spend the time and money to check.

Yours


Caroline

branson

Im pretty sure that the two can be different people?

For example if you drive a leased car then the car is owned by the lease company but you will be the registered keeper.

vikingaero

It varies depending on insurance companies.

Some Insurers only want good risks - people who own and run their own car because they tend to take better care of them. Other Insurers will cover you on friends vehicles or allow you to take out insurance on a friends vehicle but the rate will be slightly higher.

You can be insured on a vehicle in which you have no direct interest whatsoever (ie not a friend or families car). Our commercial fleet policy covers any employee to drive any vehicle which is "obstructing any business premises belonging to the insured or to which the insured is working in the course of their business."

~Brock~

branson wrote: »

Im pretty sure that the two can be different people?

For example if you drive a leased car then the car is owned by the lease company but you will be the registered keeper.

Not strictly true.

I lease my car from Saab and the registered keeper is Saab Leasing. They hold on to the V5 and they tax the car every year and send the disc to me.

I insure it by virtue of the fact that I have an insurable interest in the vehicle in the form of a lease agreement that I am obliged to pay for.

JonBoy_SCFC

no problems insuring if someone else is registered owner or legal owner

i just been on confused and plenty of companies give quotes for me even when i put random names down as both legal and registered owner.

not a problem fill yer boots:money: :money: :money:

Atermis

flutterbyuk25 wrote: »

Insurance companies have no direct access to DVLA databases. They can request information as to who is the keeper of a vehicle if they provide "reasonable cause" to have access to this information for a small fee, same as anyone can.

x

Thats funny that, i can go on experian right now and it will tell me who is the registered keeper of that vehicle along with their address.

Do i need to supply a reason... no. but it does cost the company money a few quid.