Change vehicle registration

ceewash

In order to insure our car for son to drive, the main insured person needs to be the registered owner. Our car is registered in my name but I want my DH to be main driver in order to use his NCD. How do I do change the registered owner? Do I just complete the form as if I was selling it to him? Can I go ahead and sort out the insurance as soon as form is sent or do I need to wait for reply?

Any help welcome?

rodenal

The insurer doesn't have to be the main driver - so DH can be the policy holder, with you as the main driver and son a named driver on the policy. The NCB will accrue in the policy holders name, not the main driver (unless of course they are the same) - hope that helps

ceewash

Thanks for that but this is a co-op young drivers policy and the main driver has also to be the registered owner of the vehicle. As I already am the main driver on another policy then I cant claim NCB on 2 policies, which is why it needs to be in DH name , I think.

rodenal

You misunderstand my point, the policyholder does not have to be the main driver - your other half can take the policy out, apply their own NCB to the policy but have you as a main driver so no change of keeper/owner required as far as the DVLA are concerned. You won't earn NCB on that policy but you will be classed as the main driver and registered owner.

vaio

But insurance companies can set whatever rules they like about drivers, policy holders, registered keepers & owners

I presume the OP has done the shopping around bit and now needs to shuffle drivers & registered keepers to conform to the rules of the insurance company she has chosen.

OP, there is no such thing as “registered owner” there is “registered keeper” (named on logbook) and owners (not recorded anywhere unless they are a finance company) so might be worth checking the terminology before doing anything.

In my experience, a husband & wife are pretty much treated as interchangeable as far as main driver, keeper, owner & policy holder are concerned. At various times me & the OH must have gone through just about every permutation of owning, driving, keeping and insuring each others cars and I’ve never needed to change a log book between us.

ceewash

On this insurance a tracker device is fitted and it states the fitter will ask to see the documents, including vehicle registration. Would it be invalidated if the vehicle was in my name when I am not going to be the named driver.

mikey72

ceewash wrote: »

Thanks for that but this is a co-op young drivers policy and the main driver has also to be the registered owner of the vehicle. As I already am the main driver on another policy then I cant claim NCB on 2 policies, which is why it needs to be in DH name , I think.

Usually that's to stop you insuring your son's car with you as main driver to get a better quote.
Are you sure the young drivers policy will be ok if the car is in your husbands name, with him as main driver, and your son a a named driver only, when they fit the tracking box?

Usually that's what they look out for to invalidate it.

Gloomendoom

OP if you want the register your car in your son's name you just complete the form in the same way as if you were selling it to a complete stranger.

You can do the same if you want to transfer it to your husband's name but, like vaio, in my experience, insurers don't mind who's name it is in if you are married.

You don't have to wait for the documents to come back to you, you can sort the insurance as soon as you send the docs off.

mikey72

Gloomendoom wrote: »

OP if you want the register your car in your son's name you just complete the form in the same way as if you were selling it to a complete stranger.

You can do the same if you want to transfer it to your husband's name but, like vaio, in my experience, insurers don't mind who's name it is in if you are married.

You don't have to wait for the documents to come back to you, you can sort the insurance as soon as you send the docs off.

Husbands and wives don't put trackers in the car either though. (Not for the insurance anyway)

ceewash

This policy is for young person and parents. The car has to be owned by the main driver so I assume in most cases this is not the young person.

mikey72

ceewash wrote: »

This policy is for young person and parents. The car has to be owned by the main driver so I assume in most cases this is not the young person.

The policy has a smartbox that monitors the main drivers driving style, and rates accordingly. Most parents don't usually need this, so the policy is normally sold to the young person as main driver.
If you insure the parent as the main driver, you will have a problem with suspected fronting, and will have great difficulty if any claim ever arises, or may even have the smartbox fitting refused.
I would suggest ringing the Co-op and asking them before you take out the insurance.