V5 registered keeper and insurance issue

Benzanna

Hi,
I'm hoping someone can shed some light for me?

I bought a new car last week for my boyfriend to use.

I am the registered keeper, and it's registered to my address.

My boyfriend was using his 3rd party insurance for driving the new car (he kept his insurance going from his old car whilst it's at his parents in France)

He rang to update the insurance today and Aviva have said that they won't insure him as he lives at a different address.

Any ideas on how to sort this out? I won't get the new V5 document for at least 2 weeks and we were hoping to get away this weekend...

Thanks in advance

System

Find a different insurer if Aviva aren't interested. It most certainly is possible to insure a vehicle you're not the registered keeper of.

He may also want to look at fully comprehensive because it can be cheaper than third party.

Benzanna

Tarambor wrote: »

Find a different insurer if Aviva aren't interested. It most certainly is possible to insure a vehicle you're not the registered keeper of.

He may also want to look at fully comprehensive because it can be cheaper than third party.

Thanks - sorry I wasn't clear, his old car was fully comp meaning he could drive the new car with third party on the old car's insurance...

He will def be getting fully comp

Thanks

Comms69

Benzanna wrote: »

Hi,
I'm hoping someone can shed some light for me?

I bought a new car last week for my boyfriend to use.

I am the registered keeper, and it's registered to my address.

My boyfriend was using his 3rd party insurance for driving the new car (he kept his insurance going from his old car whilst it's at his parents in France)

He rang to update the insurance today and Aviva have said that they won't insure him as he lives at a different address.

Any ideas on how to sort this out? I won't get the new V5 document for at least 2 weeks and we were hoping to get away this weekend...

Thanks in advance

Just curious why are you the registered keeper?...

Benzanna

Comms69 wrote: »

Just curious why are you the registered keeper?...

Because I was paying for it, and we hadn't decided what's happening in the long term - he may buy it off me, or I may keep it when he can afford a new car, or I may sell it.

We didn't think insurance would be an issue at the time of filling in the V5

Comms69

Benzanna wrote: »

Because I was paying for it, and we hadn't decided what's happening in the long term - he may buy it off me, or I may keep it when he can afford a new car, or I may sell it.

We didn't think insurance would be an issue at the time of filling in the V5

But the V5 is nothing to do with ownership.

Benzanna

Comms69 wrote: »

But the V5 is nothing to do with ownership.

Thanks, I unfortunately didn't know that.

foxy-stoat

Assuming you have taxed and insured it in your name he should be able to drive it TPO on his current insurance.

He should be able to just to a change of vehicle at any time - you can change the V5 when you get it back from the DVLA.

Benzanna

foxy-stoat wrote: »

Assuming you have taxed and insured it in your name he should be able to drive it TPO on his current insurance.

He should be able to just to a change of vehicle at any time - you can change the V5 when you get it back from the DVLA.

Now he's spoken to Aviva to discuss they won't let him drive third party using his existing insurance,

I'm not insured on it yet as for medical reasons I can't currently drive.

unholyangel

Benzanna wrote: »

Thanks - sorry I wasn't clear, his old car was fully comp meaning he could drive the new car with third party on the old car's insurance...

He will def be getting fully comp

Thanks

Are you sure about that?

Every policy I've ever seen always stipulate that there must be a valid insurance policy in place for the vehicle and the car can't be owned (or leased/hired) by you or your partner.

In future, always ask to see their insurance documents to check that they are definitely insured. The reason for this is that while the driver may be the one convicted of driving without insurance, you too could be convicted of permitting the car to be driven in addition to the offence of keeping an uninsured car.

Comms69

Benzanna wrote: »

Now he's spoken to Aviva to discuss they won't let him drive third party using his existing insurance,

I'm not insured on it yet as for medical reasons I can't currently drive.

So you have an uninsured vehicle?


You realise that there will be a fine in the post to you pretty much now!