V5 registered keeper and insurance issue

jaybeetoo

TooManyPoints wrote: »

How has he insured a car that he does not own? He may be able to insure a car of which he is not the Registered Keeper but he may find it difficult to insure one he does not own.

Lots of people insure a car they don’t own. E.g., if you have a car on PCP you don’t own it.

TooManyPoints

Indeed but few insurers will entertain such cover unless the car belongs to a spouse/civil partner, a parent, an employer of a leasing company. With cars owned by individuals, few companies (as the OP has discovered) will provide cover for an individual living at a different address. I accept however that the regime for short-term insurance is a little more lax.

AdrianC

Benzanna wrote: »

He rang to update the insurance today and Aviva have said that they won't insure him
...

Any ideas on how to sort this out?

The simplest resolution will almost certainly be to cancel that, and take one out with somebody who will insure him.

onomatopoeia99

unholyangel wrote: »

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.
.

Mine does not impose either of the requirements I have highlighted with bold text, only that it cannot be owned or leased / hired by me and that I have a valid licence to drive (or have held one and am not disqualified from applying for another). Oh and that I have the owners permission - that's the important one to avoid them having to cover TWOCers.

Direct Line, they are a fairly well known insurer.

There are difficulties with parking the car on the road if you use this cover and the car is not covered explicitly by someone else's policy.

Last thing, the third party cover is usually "motor car" not "vehicle", which you used, so one cannot generally drive a van / lorry / minibus / motorhome using it.

alan_d

Benzanna wrote: »

his old car was fully comp meaning he could drive the new car with third party on the old car's insurance...

ONLY if the car is already insured by someone else usually. In this case it's not, so it's effectively NOT insured at all.

TooManyPoints

All of the things mentioned above about the car being insured by means of extensions from another policy are irrelevant to the issue of Continuous Insurance. This is covered by Section 144A of the Road Traffic Act. The long version is this:

144A Offence of keeping vehicle which does not meet insurance requirements

(1)If a motor vehicle registered under the Vehicle Excise and Registration Act 1994 does not meet the insurance requirements, the person in whose name the vehicle is registered is guilty of an offence.

(2)For the purposes of this section a vehicle meets the insurance requirements if!!!8212;

(a)it is covered by a such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of this Act, and

(b)either of the following conditions is satisfied.

(3)The first condition is that the policy or security, or the certificate of insurance or security which relates to it, identifies the vehicle by its registration mark as a vehicle which is covered by the policy or security.

(4)The second condition is that the vehicle is covered by the policy or security because!!!8212;

(a)the policy or security covers any vehicle, or any vehicle of a particular description, the owner of which is a person named in the policy or security or in the certificate of insurance or security which relates to it, and

(b)the vehicle is owned by that person.

The short version is that the RK has to ensure that either (a) a policy is in place which identifies the vehicle by its Reg No or (b) a policy is in place which allows the policyholder to drive any car he owns (not very common these days) and that he owns it.The OP had neither of these at the beginning of all this and so could be guilty of an offence under S144A.

Mercdriver

I have my car on 0% APR finance. Now I describe it as mine, and I am the registered keeper. However title doesn't pass to me until the final payment is made. This would be the same for any car financed by HP/PCP.

Anyone paying for their car by HP/PCP does not own the car until the final payment.

TooManyPoints

Anyone paying for their car by HP/PCP does not own the car until the final payment.

Quite so. But presumably your insurance policy mentions it specifically by its Registration mark, So it meets the requirements of S144a under sub-section (3).

Comms69

unholyangel wrote: »

Which insurers was that?

I genuinely cannot remember, as I changed insurers every year.


Tesco's was one I'm pretty sure. Out of the 8 or so policies I had, 4 had that provision.

Comms69

TooManyPoints wrote: »

The Continuous Insurance rules mean that every vehicle must have its own individual policy covering Third Party risks.So firstly you are committing an offence under that legislation. The offence carries a fine but no endorsement. The vehicle does not have to be driven - simply "keeping" it constitutes the offence.

If your b/f drives your car with the "driving cars not owned by the policyholder" extension he has to (a) ensure that his policy has such an extension (not all do) and (b) ensure it does not stipulate that the car must have its own policy (as above). Many insurers are now adding that as a stipulation to such an extension. If both those conditions are not satisfied not only can he be charged with driving without insurance (minimum 6 points) but you can be charged with permitting him to drive without insurance (minimum 6 points).



How has he insured a car that he does not own? He may be able to insure a car of which he is not the Registered Keeper but he may find it difficult to insure one he does not own.

I've done this a few times with friends cars, it's quite easy and straight forward.