Car insurance with named drivers

kmb500

Tarambor wrote: »

The owner is the person who has legal title to the vehicle. It is their property.

The registered keeper is the person registered with DVLA as the primary keeper of the vehicle and the person to whom all notices, letters, fines etc are addressed to and who is responsible for ensuring the vehicle is taxed, MOT'd and insured if it is used on the road and who can ultimately be held liable.

Not sure that's true, I am getting a car on lease and the leasing company explained that for insurance purposes they are the owner and registered keeper of the vehicle. I will still be liable for insuring it, MOT'ing it etc. Although I guess they may still legally be the ones responsible for that?

Dclutterchique

I think the whole 'who should own this car?' question is a bit of a red herring as the important questions are 'who is the main driver?' and 'does the main driver, policy holder and/or registered keeper need to be the same person?' As your relative will have to be the main driver (due to them using the car for commuting to work) there is a strong possibility that they will have to be the policy holder and if this mean they also need to be the registered keeper then changing it to anyone else will be a pointless exercise.


Would it be cheaper for them to do one or both of the following:


A) Insure the car on a separate policy to their main car (ie not on a multicar policy)


Have themselves listed as the main driver and have you added a named driver (even if you never drive that car).?


If the intention was for you to pay for the policy could they speak to their insurer, set up/agree the policy, and (at the point of payment) state they are giving you permission to talk to their insurer and hand over the transaction to you? That way you only have the initial outlay, but the owner, registered keeper, policy holder and main driver are all kept in their name and no responsibility is attached to your policy if they have an accident or incident.


ETA: Partial cross post with Bigphil

chrisw

Bigphil1474 wrote: »

OP, usually the insurers require the policy holder to be the registered keeper. Usually the policy is in the name of the main user, and named drivers are additional drivers. I doubt they'd let you insure it as you as a named driver

No, this isn't the case at all. My wife's cars have always been owned by and registered to her but the policies have always been in my name with my wife as named driver but main user (originally to maintain my NCD while I had a company car.)

Fronting would be if I claimed to be the main driver when I'm not.

If my wife had an accident it would claim off my insurance on that car and I would lose some NCD. If I had my own car on another policy as well, I would have to declare the incident but wouldn't lose any NCD on that one, although it might push the premium up a bit.

Oddjob

chrisw wrote: »

No, this isn't the case at all. My wife's cars have always been owned by and registered to her but the policies have always been in my name with my wife as named driver but main user (originally to maintain my NCD while I had a company car.)

Fronting would be if I claimed to be the main driver when I'm not.

If my wife had an accident it would claim off my insurance on that car and I would lose some NCD. If I had my own car on another policy as well, I would have to declare the incident but wouldn't lose any NCD on that one, although it might push the premium up a bit.

I am confused by this.
Firstly, last August I wanted to use my brother's car as he was no longer able to drive it, he had dislocated his shoulder and also had cancer so unlikely to drive again. I tried to insure it but leave it in his name as registered keeper. The insurers said that I couldn't do that. I had to register it as me being the registered keeper.
Also, I didn't think you could have NCB on two vehicles? I have a car and a van but was told I can't use my NCB on the van as it is on the car?

chrisw

Perhaps it was specific to that particular insurer but I've never had an issue with me not being the registered keeper.

Yes you can have two lots of NCB, one on each policy. They re independent of each other, although as I've said, if you claim on one you will have to declare the incident on the other one, which won't affect that NCB, but might still push that premium up a bit.

In your case, if you have a car policy with say 5 years and then buy a van and take out a van policy as well, you can't use the 5 years from the car, you will have to build it up from scratch (although some insurers will mirror an existing NCB.).

JustAnotherSaver

Oddjob wrote: »

I am confused by this.
Firstly, last August I wanted to use my brother's car as he was no longer able to drive it, he had dislocated his shoulder and also had cancer so unlikely to drive again. I tried to insure it but leave it in his name as registered keeper. The insurers said that I couldn't do that. I had to register it as me being the registered keeper.
Also, I didn't think you could have NCB on two vehicles? I have a car and a van but was told I can't use my NCB on the van as it is on the car?

A long shot here but did you used to do LED conversions on Vauxhall's?

photome

cant answer all questions but I notice a few have said most insurers require you to be the registerd keeper,

that isnt the case,most insurers will happily insure you if you are not the registered keeper but are the owner