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Insurance won't pay out as new V5 details are not registered with DVLA
Raine_183
Posts: 4 Newbie
I recently bought a vehicle and have the green new keeper supplement from the old DVLA V5 form. Unfortunately, the vehicle was stolen off my driveway the other evening and I am now going round in circles.
I contacted the police to report the vehicle stolen and then contacted my insurers. My insurers wont process my claim unless I can provide the full V5 document; the green new keeper supplement is apparently not enough.
I contacted the DVLA asking them how to obtain the full document and they won’t process an application for a new V5 form as the vehicle has been reported stolen.
I then turned my attention to the previous owner and tried to make contact with them to check they have sent the old V5 form to the DVLA, but they have done a disappearing act!
I contacted the police and told them about the situation. They are claiming they do not have the power to investigate the previous owner and that it is a matter for my insurer …… and round I go again.
I mistakenly thought that owning the green new keeper supplement from the DVLA V5 form (incidentally the only thing you get when you buy a vehicle) , until the new full V5 form was processed and sent to me by the DVLA, was enough to prove my ownership of the vehicle?
What I am apparently being told is that if the previous owner cannot be contacted to validate the sale then the green new keeper supplement from the DVLA V5 is worthless and my vehicle was not insured against theft?
Has anyone experienced the same kind of thing and is there formal body I can take advice from?
It has been suggested that the small claims court might be an option, the problem is being able to pin down the person I bought the vehicle off. I have subsequently found out that the previous owner notified the DVLA they had sold the car to a dealer and the car has not had a registered owner with the DVLA since December. The ‘dealer’ I bought the car from cannot be traced and the people at address I bought the car from, even though I went inside and had a cup of tea with the guy, are denying selling any vehicle. Say they know nothing about it, don’t know the guy in question. The Police aren’t interested in progressing. Just say it is an insurance issue.
With regard to the insurers, everything was done legitimately. I insured the vehicle before I picked up the vehicle so I could drive it home.
I contacted the police to report the vehicle stolen and then contacted my insurers. My insurers wont process my claim unless I can provide the full V5 document; the green new keeper supplement is apparently not enough.
I contacted the DVLA asking them how to obtain the full document and they won’t process an application for a new V5 form as the vehicle has been reported stolen.
I then turned my attention to the previous owner and tried to make contact with them to check they have sent the old V5 form to the DVLA, but they have done a disappearing act!
I contacted the police and told them about the situation. They are claiming they do not have the power to investigate the previous owner and that it is a matter for my insurer …… and round I go again.
I mistakenly thought that owning the green new keeper supplement from the DVLA V5 form (incidentally the only thing you get when you buy a vehicle) , until the new full V5 form was processed and sent to me by the DVLA, was enough to prove my ownership of the vehicle?
What I am apparently being told is that if the previous owner cannot be contacted to validate the sale then the green new keeper supplement from the DVLA V5 is worthless and my vehicle was not insured against theft?
Has anyone experienced the same kind of thing and is there formal body I can take advice from?
It has been suggested that the small claims court might be an option, the problem is being able to pin down the person I bought the vehicle off. I have subsequently found out that the previous owner notified the DVLA they had sold the car to a dealer and the car has not had a registered owner with the DVLA since December. The ‘dealer’ I bought the car from cannot be traced and the people at address I bought the car from, even though I went inside and had a cup of tea with the guy, are denying selling any vehicle. Say they know nothing about it, don’t know the guy in question. The Police aren’t interested in progressing. Just say it is an insurance issue.
With regard to the insurers, everything was done legitimately. I insured the vehicle before I picked up the vehicle so I could drive it home.
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Comments
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Did you get a receipt when you bought the vehicle?0
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No, it was a private sale and I just had the green V5 slip0
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This is a bit dodgy. You brought a car, you can't find the old owner and the car gets stolen before you have the V5 - no wonder the insurance company won't pay out.I'm not cynical I'm realistic
(If a link I give opens pop ups I won't know I don't use windows)0 -
Did you have two sets of keys, not that this makes any difference, the previous owner may have decided he didn't want to let go of his car.0
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Yeah, I can see that's what it looks like on the face of it. Problem is, it is a legitimate claim. The V5 can take a while to come through from the DVLA so I didn’t suspect anything untoward. I have my suspicions the vehicle was stolen back by the people who sold it me, as they had all my address details on the remainder of the V5 form I filled in.
Problem is I can’t prove it and can’t track them down.0 -
No, I was only provided with 1 set of keys. If my suspisions are correct, then the guy who sold the vehicle may have kept the other set. He had my home address, all he had to do was come round and take the vehicle off my drive.0
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No, I was only provided with 1 set of keys. If my suspisions are correct, then the guy who sold the vehicle may have kept the other set. He had my home address, all he had to do was come round and take the vehicle off my drive.
If someone could not provide 2 sets of keys I would not buy the vehicle. If I was selling a dodgy car or was dodgy myself I would get a second (or third) key cut but perhaps I don't need to if there are people out there who will buy it anyway, irrespective of how dodgy it looks.
Don't people gain common sense as they grow up these days ?0 -
Blimey ALWAYS get a receipt/ bill of sale whether a trade or private sale as that is more important to you than the V5 as the V5 is NOT proof of ownership as you have just found out it is only the registered keeper who could be any tom, !!!!!! or harry.
A bill of sale is proof of ownership and without that you are stuck.0 -
I think you will probably have to make a complaint to your insurer to make any progress with this, I'm afraid.
If they don't give you the response you want then you can go to the Financial Ombudsman Service.0
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