Internet car purchase

daveyjp

nrsql wrote: »

The car was new (apart from delivery milage) when I received it 6 months or so ago.
The issue is that during this time it has been registered to a car hire company and only recently transferred to me.
The do say it can take months for the registration to arrive - I didn't realise it was because they had to send off change of registration.

I'm assuming this means that I owned the car (and it has had a single owner) but that the car wasn't registered to me.
That must be the case or I wouldn't have been able to insure it as my own car?

If it's not registered to you it's not your car - and being told it may takes months for the V5c to arrive would have my warning bells ringing - on a new car it should take a couple of weeks.

You can insure it, but you must state you are not the registered keeper. Did you do this? If not you have found one of the many potential problems with buying a 'new' car which isn't new at all.

It appears this company get the discount due to volume sales - they get the volume by registering them to a company, but they won't be permitted to transfer ownership for six months, but that doesn't bother them , they sell them on and retain title - very naughty.

When buying on line use a company who only take your deposit and then pass you onto a supplying dealer and you then pay the dealer, not the third party internet company.

Any

Hmm, to me it just sounds like they get volume discount & have to register the cars (normal) and then they just have very rubbish administration which is why it took so long..
I've never heard of company having to keep vehicle for certain time to qualify for discount.

Either way - you are not OWNER of vehicle until it is registered to you. You can insure what ever car, even Jo Blog's from down the road, but you have to state you are not the OWNER.

This car was definitely pre-registered, otherwise you would be the first name on the document . To get registration documents take couple of weeks, never months. In 28 days I would have been already calling DVLA if the seller told me they sent it off.

Lum

Any wrote: »

Either way - you are not OWNER of vehicle until it is registered to you. You can insure what ever car, even Jo Blog's from down the road, but you have to state you are not the OWNER.

Owner and Registered Keeper are two completely different things.


That said, it gets even greyer when you consider than when taking out a policy, most insurers ask "Will you be the owner and registered keeper", to which the answer is yes you will... just 6 months down the line when the dealer finally sorts out the paperwork.

Inactive

Any wrote: »

Hmm, to me it just sounds like they get volume discount & have to register the cars (normal) and then they just have very rubbish administration which is why it took so long..
I've never heard of company having to keep vehicle for certain time to qualify for discount.

It does happen quite often these days, they are actually breaching the terms of their dealership relationship with the manufacturer, but they don't seem to care.

Any

Lum wrote: »

Owner and Registered Keeper are two completely different things.


That said, it gets even greyer when you consider than when taking out a policy, most insurers ask "Will you be the owner and registered keeper", to which the answer is yes you will... just 6 months down the line when the dealer finally sorts out the paperwork.

I know that... but it seems as he hasn't been registered either...

Inactive

There is another downside to this; most insurers will replace a written off car with a new replacement in the first year, but only to the first recorded keeper.

They will only pay out market value to any further owners/keepers.

esmerobbo

Similar thing happened to my friend. What you may have is a demonstrator! the company get a car for demonstration purposes at a reduced cost. They should keep it for six months at least then they can sell it on. They sell it as new but keep it registered to them. Then when the six months is up transfer it to you.