buying a car for my son

blokes2

hi,
i cannot get much advice from my insurer saga as they wont answer the phone!!!
if i buy a car for my son , i am the registered keeper and owner. but one HE will be insured to drive it on his own insurance., would it affect my current insurance on MY car.

he has ten years no claims, and no convictions,and has been driving over 20 years

thanks

heyjim

In a word - no

Lokolo

Is there a reason why you don't want your son to be the registered keeper?

blokes2

yes he might have to go bankrupt soon and needs the car for work, although the car is only worth under £2000 best to be safe

vaio

Nothing legally wrong with insuring a car you don't own & are the registered keeper of but it's out of the mainstream so most online engines won't be able to quote which will probably mean he'll end up paying over the odds for cover

Parking_Trouble

I am registered keeper of a car that is insured with my wife as main driver and me named. LV= allow that combination on their quote system.

UsernameAlreadyExists

I've seen multiple insurers that won't allow you insure a vehicle that isn't registered in your name, so be wary that he can find one that will.

forgotmyname

As above some insurers will say it must be in his name. But not all.

Comparison sites will be no good, They assume the car is owned and registered in the same name.

Phone some brokers.

Slowhand

UsernameAlreadyExists wrote: »

I've seen multiple insurers that won't allow you insure a vehicle that isn't registered in your name, so be wary that he can find one that will.

I'm surprised at that. I was insured as the main driver on a car registered to my wife for five years with five different well known insurance companies.

paddedjohn

Slowhand wrote: »

I'm surprised at that. I was insured as the main driver on a car registered to my wife for five years with five different well known insurance companies.

Husband and wife are often treated differently, you both own the vehicle.

thenudeone

blokes2 wrote: »

if i buy a car for my son , i am the registered keeper and owner. but one HE will be insured to drive it on his own insurance., would it affect my current insurance on MY car.

It wouldn't affect your insurance directly, but it could be that an incident on the policy (such as a theft) would need to be declared when getting quotes for your insurance next time (depending on the exact question asked)

Just be aware, the obligation to ensure a car is continually insured (and taxed etc.) rests with the keeper, i.e. you.

And you are also responsible in other ways. If he forgets to renew his insurance, for example, or allows a friend to drive it without insurance, YOU will be the person the police come to talk to. If you are the keeper and legal owner you will struggle to defend a prosecution for use/cause/permit...etc; which would have a massive impact on your own insurance position.