Forgot I had a car in my name...

Jenny_B_2

I have been made BR and am currently waiting for the telephone meeting with the OR.

My housemate has reminded me that her car is in my name as it makes it far cheaper to insure.

I totally forgot about this and therefore didn't put it in my SOA.

Should I mention it? Obviously it's dishonest (and illegal) not to but I'm a full time student so it would probably get taken from me. I don't pay for it in any way so there is nothing on my bank statements to show I have a car.

Do they do checks with the DVLA during BR to make sure your not fibbing?

I feel awful on my friend but don't really know what to do.

Any help or advice would be great.

Holes_in_my_pocket

yes car is legally yours

bryanb

Holes_in_my_pocket wrote: »

yes car is legally yours

I understand that the legal owner is the person who bought it, not necessarily the registered keeper.

Sounds like they could be "Fronting" on insurance- naughty!

MicheH

Have you put any money at all owards the car. I'm sure I have read that just because you're the registered person on the car it does not automatically mean that it is yours. If you have paid any money towrads it - deposit etc then I believe it would be a different story.

philnicandamy

you will have to mention the fact you have the use of a vehicle (you signed legal papers in court saying you would co-operate with the OR) being the registered owner dont always mean you purchased the car...does your housemate have proof of purchase?

The receiver will check DVLA as standard usually anyhow...so they could find out if they wanted to..not worth the trouble if you did hide the fact

maxmycardagain

The registered KEEPER may not be the OWNER, but should be the policy holder for insurance purposes...

Jenny_B_2

I haven't paid anything at all towards the car.

Sorry, I know it is naughty but most people under 25 tend to do this, e.g. getting their parents to insure it to save on costs. Also for insurance purposes you have to insure it in the name of the registered keeper, which it is, but the direct debits come out of her bank account (this was ok'd with the insurance company).

philnicandamy

you've done NOTHING naughty.....only if you dont tell the OR's during interview then that would cause you trouble..

Holes_in_my_pocket

sorry i got that wrong

MicheH

Jennie hun, you can't worry about your friend. We all have to be careful and protect ourselves from finacial disasters, even married couples can get into strife easily if the other one needs to go BR. It was a bit of a daft thing to do but s/he was willing to take the risk for his/her pocket. Look after yourself, make sure your back is covered.

timberflake

Jenny_B wrote: »

I haven't paid anything at all towards the car.

Sorry, I know it is naughty but most people under 25 tend to do this, e.g. getting their parents to insure it to save on costs. Also for insurance purposes you have to insure it in the name of the registered keeper, which it is, but the direct debits come out of her bank account (this was ok'd with the insurance company).

Do you're the policy holder and she's a named driver on the policy?