proof of ownership

Keep_pedalling

Ap_hazard_42 wrote: »

The insurance was paid monthly by the deseased. The receipt that the mum has written says:

payment for a ..................... ........ reg no.
paid in full
£800.00 CASH
sold as seen
To the deseased (her name)

I (mums name) remain the owner of car but allow (deseased name) to remain registerd keeper for insurance and tax reasons only.

Signed by mum
then signed by daughter

So the written receipt is no good Margott123?
Thanks

You are really caught between a rock and a hard place here. The signature might be suspect but why would someone’s mother commit fraud for what is basically an old banger?

Yorkshireman99

esuhl wrote: »

So... if a friend lent me his car, and I paid to insure it, I'd end up owning the car...?

What I am saying is that you can usually only insure a car that you own or have an insurable interest in. I have to say that the whole story sounds very odd. Are our legs being collectively pulled?

Keep_pedalling

Yorkshireman99 wrote: »

What I am saying is that you can usually only insure a car that you own or have an insurable interest in. I have to say that the whole story sounds very odd. Are our legs being collectively pulled?

You can insure someone else’s car but you should declare that to the insurer, so maybe that may be something to pursue.

https://www.money.co.uk/car-insurance/how-to-insure-yourself-to-drive-someone-elses-car.htm

Margot123

Curious to know if the deceased had their road tax etc paid due to a disability.

There is something not quite right about all this.

OP are you giving us the FULL picture?

Yorkshireman99

Keep_pedalling wrote: »

You can insure someone else’s car but you should declare that to the insurer, so maybe that may be something to pursue.

https://www.money.co.uk/car-insurance/how-to-insure-yourself-to-drive-someone-elses-car.htm

Must, not should! If you omit to tell the insuer they can, and indeed wiil, invalidate the insurance if the find out. The basic principle is that you have to have an insurable interest. Good as it may be, MSE is not a definitive syaement of the law.

Ap_hazard_42

Keep_pedalling wrote: »

You are really caught between a rock and a hard place here. The signature might be suspect but why would someone’s mother commit fraud for what is basically an old banger?

I think its possibly a 'control' thing. Families can be odd.

Ap_hazard_42

Yorkshireman99 wrote: »

What I am saying is that you can usually only insure a car that you own or have an insurable interest in. I have to say that the whole story sounds very odd. Are our legs being collectively pulled?

This is a real situation, my sister in law has just died. Its no laughing matter!
I can't control how families react. Everything I have wriiten is the way it is.

nom_de_plume

Do you have the car in your possession? Does the mother have the use of another car or does she rely on the use of this one?

It's very hard to give good advice without knowing all the facts and the people involved.

One thought would be to advise the mother you plan on selling the car unless she can provide further evidence of the purchase within 14 days (when was the receipt dated BTW?). At least the proceeds will be set aside in the trust fund in case she does one day come up with some tangible evidence.

Pricivius

Whilst whatever the Insurance company understood to be the case in respect of ownership is not definitive, as they could have been misled, it would be helpful to know.

- If the Insurance company believe the deceased to be the owner, this adds some weight to your belief and means the Mum is saying she was deceiving the insurers and her insurance is probably invalid. Does she want to be in that position?

- If the Insurance company believe the mum was the owner, this adds some weight to her argument.

Ap_hazard_42

nom_de_plume wrote: »

Do you have the car in your possession? Does the mother have the use of another car or does she rely on the use of this one?

It's very hard to give good advice without knowing all the facts and the people involved.

One thought would be to advise the mother you plan on selling the car unless she can provide further evidence of the purchase within 14 days (when was the receipt dated BTW?). At least the proceeds will be set aside in the trust fund in case she does one day come up with some tangible evidence.

Hi nom de plume,
The Husband has found the original reciept for the car that he bought from the garage. The reciept is in his name. He states that he let his wife use the car. He was a named driver on insurance. After buying the car he paid for a second hand leather interior and replaced the steel wheels for alloys.
I asssume then that he is the owner and what ever was done after this would be null and void as he would have been the owner?
The date of the car purchase is two months before the supposed sale to the mother.
Sorry for not knowing this sooner. My sister in laws funeral was a week ago friday and all this has come to light after this.

Many thanks for any advice.