Legal owner and registered keeper

Guest101

Car_54 wrote: »

Are you sure about that?

I would wager that the police would agree, the RK is responsible for FPNs etc, so in turn has rights to the vehicle. Now those rights can be removed by the owner, so the question of onwership persists, but that would be a civil, not a criminal matter.

Gloomendoom wrote: »

I see no mention in the OP of any contract or agreement. All we know is that the father bought the car for the son.

It could have been a birthday or Christmas present for all we know.

Yes that is what i am saying. Legally a gift if an agreement. We dont know, which is what i have said 3 times....

lissa_23

Thanks everyone, you have given me food for thought!

The car was bought for my son when his grandmother died and her car was sold as it was too high a spec to insure a teenager on. My son is only 18. His nan's car was not left to my son as far as I know.

He was living with his dad when the car was bought but since the row has been living with me.

The insurance is a tricky one. My son believes that his car is included in a multi car policy so we would need to take out other insurance as it will be kept at another address.

Quentin

lissa_23 wrote: »

.....The insurance is a tricky one. My son believes that his car is included in a multi car policy so we would need to take out other insurance as it will be kept at another address.

You don't need take out a new policy because of a change of address - simply inform the insurer.


But as posed earlier, who does the insurer believe to be the owner?


(ie If it was stolen and written off today to whom would the insurer pay the settlement cheque to?)

AdrianC

Quentin wrote: »

You don't need take out a new policy because of a change of address - simply inform the insurer.

You may very well do if the car's on a multi-car policy, and you're disassociating yourself from the policyholder.

In a situation like this, there's really no easy answer to who's the "legal owner".
If the father claims that the son's taken without the owner's consent, the police will be VERY reluctant to do anything, since the son's the RK and it's a case of the father's word that the car was a loan not a gift.

DUTR

AdrianC wrote: »

You may very well do if the car's on a multi-car policy, and you're disassociating yourself from the policyholder.

In a situation like this, there's really no easy answer to who's the "legal owner".
If the father claims that the son's taken without the owner's consent, the police will be VERY reluctant to do anything, since the son's the RK and it's a case of the father's word that the car was a loan not a gift.

Which is how it seems to me that the car is in effect loaned, or a gift with stipulation.
We only have one side of the story

Quentin

Ebe_Scrooge wrote: »

......The registered keeper is responsible for speeding fines, parking fines, etc. ( as in most company car setups - the company owns the car, but the sales rep is the RK ).

No company owning cars would normally make their sales reps the RK!


(Any speeding tickets etc are not the responsibility of the RK at all. The RK merely has to dob in the driver)

Guest101

Quentin wrote: »

No company owning cars would normally make their sales reps the RK!


(Any speeding tickets etc are not the responsibility of the RK at all. The RK merely has to dob in the driver)

Actually it's quite common. Being the RK means that parking tickets etc would be sent direct to the sales rep. This is also true on long term leases.

AdrianC

Guest101 wrote: »

Actually it's quite common. Being the RK means that parking tickets etc would be sent direct to the sales rep. This is also true on long term leases.

It is almost unknown. The RK invariably remains the lease company, who receive and process tickets/VED renewals etc. If it isn't the lease company, it's the employer. It would NEVER be the actual end user.

Guest101

AdrianC wrote: »

It is almost unknown. The RK invariably remains the lease company, who receive and process tickets/VED renewals etc. If it isn't the lease company, it's the employer. It would NEVER be the actual end user.

Well I'm sorry but you're wrong. I'm not saying every company does it, but some do. And that's just the way it is.

Certainly not never, but clearly not common enough that you think it's never

Car_54

I'd have to agree with "almost unknown". I've worked for a leasing company, and companiies which both owned and leased cars, and I've NEVER heard of a car being registered to the driver.

If you follow the threads on pepipoo.com you'll see daily instances of company car owners being nicked, and the RK is invariably either the employer or the leasing company.

Both the leasing companies and the large employers have routine procedures to pass any NIPS or penalty charges down the chain to the eventual user, usually with some charge for their admin costs.