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Insurance Question

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Comments

  • oligopoly
    oligopoly Posts: 395 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    edited 19 December 2025 at 8:30PM
    [quote=[Deleted User];72435668]There's no need to change the V5C for the BMW - that's simply unecessarily adding another "previous keeper" - when you come to sell it, the fewer the better.[/QUOTE]

    Wouldn't that be classed as 'fronting' though?

    [quote=[Deleted User];72435668]The Mini needs either to be SORNed or insured to comply with the continuous insurance regs. If you want it to be test-driven, SORN is not an option.[/QUOTE]

    OK so a 1 month cover sounds like the best bet.
    Increasingly money-conscious
    :cool:
  • AndyMc.....
    AndyMc..... Posts: 3,248 Forumite
    1,000 Posts Combo Breaker
    oligopoly wrote: »
    Wouldn't that be classed as 'fronting' though?

    No, not as long as you're declaring the main driver.
  • oligopoly
    oligopoly Posts: 395 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    AndyMc..... wrote: »
    No, not as long as you're declaring the main driver.

    So BMW is in my name, my wife will be driving it but she is the main driver on her insurance policy. All ok?

    Forgive my naivety on this.
    Increasingly money-conscious
    :cool:
  • AndyMc.....
    AndyMc..... Posts: 3,248 Forumite
    1,000 Posts Combo Breaker
    oligopoly wrote: »
    So BMW is in my name, my wife will be driving it but she is the main driver on her insurance policy. All ok?

    Forgive my naivety on this.

    As long as her insurance company are happy she isn't the registered keeper then yes.
  • oligopoly
    oligopoly Posts: 395 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    AndyMc..... wrote: »
    As long as her insurance company are happy she isn't the registered keeper then yes.

    OK so I'll check this too...
    Increasingly money-conscious
    :cool:
  • AndyMc.....
    AndyMc..... Posts: 3,248 Forumite
    1,000 Posts Combo Breaker
    oligopoly wrote: »
    OK so I'll check this too...

    If they aren't and you've already registered the Peugeot just change the V5 for the BMW if an additional keeper doesn't concern you.
  • Quentin
    Quentin Posts: 40,405 Forumite
    Read your insurance certificate to see that your insurer has dangerously misled you over both being legally covered driving the uninsured car (3rd party cover only) using your DOC (which is actually for driving cars you do not own!)
  • jimjames
    jimjames Posts: 19,126 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    oligopoly wrote: »
    I thought I had. Sheila's Wheels told me I could drive it to 'fill it up with petrol' etc... Maybe I need to check with them then...
    Why would it be insured to fill up with petrol but not for other reasons? Sounds like it isn't really insured
    Remember the saying: if it looks too good to be true it almost certainly is.
  • jimjames
    jimjames Posts: 19,126 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    oligopoly wrote: »
    3. I understand that if we transfer ownership this weekend we would lose the bulk of this month's cost. Could be wait until the end of the month so that we get the maximum tax refunded or is this illegal?

    Thanks in advance.

    You'll get no more tax refunded by waiting than selling now. It's based on whole months so April is already gone in terms of refunding the tax.
    oligopoly wrote: »
    what do most people do? Take out temporary insurance so prospective buyers can legally test-drive?
    I always try to sell the car before buying a new one or at least time it so they overlap sufficiently to have valid insurance for test driving
    Remember the saying: if it looks too good to be true it almost certainly is.
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