Registered keeper, car tax and insurance

sweetsand

Scrapit said:

Answer falsely and they start to have a reason not to pay however I cant see answering the v5 is in someone else's name(if they ask) would be a valid reason not to pay out.

@Scrapit ,please see my posts and several other posters posts that tell you clearly you are wrong on every level when it comes to declaring  who is the owner and who is the reg keeper and I have given you reasons as has others.
Do you now accept you are wrong and it does matter to complete correctly who is the reg keeper and who is the owner of the vehicle and it does matter.

ATB

Scrapit

Jumblebumble said:

Scrapit said:

sweetsand said:

Scrapit said:

Why bother? V5 name has no bearing on insurance.

Of course it does, hence the question every car insurance we have taken out asks!
The  fact is and an it is an  imporant one.
It has every bearing on car insurance EG - car is written off - who gets the cash, the owner or the registered keeper that is not the owner, 
ATB

x

No it doesn't. It really, really doesn't matter.
The insurance will pay out to who is named on the policy.
It really is that simple.
Also when did you last get insurance? What company asked you about the v5? Time to back up your "facts".

I was under the impression that on my lease car the insurance company would pay the lease company in the event of a total loss even though the insurance is in my name so I believe your assertion is incorrect.

How do they get the lease company's insurance details? They pay to you, its then your responsibility to pay off the value of the vehicle. I have a car on hp. The hp is a loan against the value of the vehicle, yours is a loan of the vehicle. If either of us have a total loss and do a runner with the money we could if chose to. The outstanding balance would still be owed in both cases. 

Scrapit

sweetsand said:

JamoLew said:

Scrapit said:

sweetsand said:

Scrapit said:

Why bother? V5 name has no bearing on insurance.

Of course it does, hence the question every car insurance we have taken out asks!
The  fact is and an it is an  imporant one.
It has every bearing on car insurance EG - car is written off - who gets the cash, the owner or the registered keeper that is not the owner, 
ATB

x

No it doesn't. It really, really doesn't matter.
The insurance will pay out to who is named on the policy.
It really is that simple.
Also when did you last get insurance? What company asked you about the v5? Time to back up your "facts".

This really goes against my instinct of agreeing with her BUT
Esure 100% ask the question:
"Are you the registered keeper of this vehicle" (so in effect are asking about the V5)
Pretty sure it's a question on the meerkats site as well
There is zero price difference but I bet in the even of a claim it could be a very costly oversight

Hi
I'm sorry you find it hard to agree with the facts but you did and that is what counts 
Every insurance  application we have seen asks that question at least once and I think possibly twice to clarify the difference between the owner and registered keeper.
Thank you.

No, not every insurance application asks, I suspect its actually the reverse. I guess (without checking) that it is rare to be asked about the v5. I know my current insurer didn't (speacalist) and I also checked and the meercats don't ask. I cannot be bothered to check with the rest but I also strongly suspect you are guessing or just lieing. Do you have direct knowledge, can you provide an example as I asked previously? I'm not saying it isn't asked for, but I believe its extremely rare to be asked about the v5.

sweetsand

Scrapit said:

sweetsand said:

JamoLew said:

Scrapit said:

sweetsand said:

Scrapit said:

Why bother? V5 name has no bearing on insurance.

Of course it does, hence the question every car insurance we have taken out asks!
The  fact is and an it is an  imporant one.
It has every bearing on car insurance EG - car is written off - who gets the cash, the owner or the registered keeper that is not the owner, 
ATB

x

No it doesn't. It really, really doesn't matter.
The insurance will pay out to who is named on the policy.
It really is that simple.
Also when did you last get insurance? What company asked you about the v5? Time to back up your "facts".

This really goes against my instinct of agreeing with her BUT
Esure 100% ask the question:
"Are you the registered keeper of this vehicle" (so in effect are asking about the V5)
Pretty sure it's a question on the meerkats site as well
There is zero price difference but I bet in the even of a claim it could be a very costly oversight

Hi
I'm sorry you find it hard to agree with the facts but you did and that is what counts 
Every insurance  application we have seen asks that question at least once and I think possibly twice to clarify the difference between the owner and registered keeper.
Thank you.

No, not every insurance application asks, I suspect its actually the reverse. I guess (without checking) that it is rare to be asked about the v5. I know my current insurer didn't (speacalist) and I also checked and the meercats don't ask. I cannot be bothered to check with the rest but I also strongly suspect you are guessing or just lieing. Do you have direct knowledge, can you provide an example as I asked previously? I'm not saying it isn't asked for, but I believe its extremely rare to be asked about the v5.

Please stop. Every insurance co does ask this question well everyone we have used recent years that comes to mind EG Aviva, direline,,LV, churchill, . The exmaple you gave of "Meerkats" please stop as that is a comparison site and genric questions only as when you buy, go to buy insurance you will be asked more detailed questions or they make 'assumptions' and you will need to corrct, update these.
Several posters have stated you are wrong and you continue in this way, not sure why.

Others have told you about the owners and V5 question, I have and I'm not "lying" and that comment was uncalled for. All i have done is politely and rightly pointed out to you that you are wrong and then others said the same yet you carry on.

Like I said the example you gave is a compariosn site and not an insurance co and the example I gave you makes sense and easy to see if it is correct, EG, V5 reg keeper is tnot the owner, car is written off/stolen - who gets the money, the registered keepr or the owner that may be different from the reg keepr.
I rest my case.

JamoLew

Scrapit said:

Answer falsely and they start to have a reason not to pay however I cant see answering the v5 is in someone else's name(if they ask) would be a valid reason not to pay out.

possibly not - but why take the chance is my view.
Would be interesting to actually see how common/rare the question actually is.
For info - this is direct from my insurance doc which clearly ask for details of the owner and registered keeper

Scrapit

sweetsand said:

Scrapit said:

sweetsand said:

JamoLew said:

Scrapit said:

sweetsand said:

Scrapit said:

Why bother? V5 name has no bearing on insurance.

Of course it does, hence the question every car insurance we have taken out asks!
The  fact is and an it is an  imporant one.
It has every bearing on car insurance EG - car is written off - who gets the cash, the owner or the registered keeper that is not the owner, 
ATB

x

No it doesn't. It really, really doesn't matter.
The insurance will pay out to who is named on the policy.
It really is that simple.
Also when did you last get insurance? What company asked you about the v5? Time to back up your "facts".

This really goes against my instinct of agreeing with her BUT
Esure 100% ask the question:
"Are you the registered keeper of this vehicle" (so in effect are asking about the V5)
Pretty sure it's a question on the meerkats site as well
There is zero price difference but I bet in the even of a claim it could be a very costly oversight

Hi
I'm sorry you find it hard to agree with the facts but you did and that is what counts 
Every insurance  application we have seen asks that question at least once and I think possibly twice to clarify the difference between the owner and registered keeper.
Thank you.

No, not every insurance application asks, I suspect its actually the reverse. I guess (without checking) that it is rare to be asked about the v5. I know my current insurer didn't (speacalist) and I also checked and the meercats don't ask. I cannot be bothered to check with the rest but I also strongly suspect you are guessing or just lieing. Do you have direct knowledge, can you provide an example as I asked previously? I'm not saying it isn't asked for, but I believe its extremely rare to be asked about the v5.

Please stop. Every insurance co does ask this question well everyone we have used recent years that comes to mind EG Aviva, direline,,LV, churchill, . The exmaple you gave of "Meerkats" please stop as that is a comparison site and genric questions only as when you buy, go to buy insurance you will be asked more detailed questions or they make 'assumptions' and you will need to corrct, update these.
Several posters have stated you are wrong and you continue in this way, not sure why.

Others have told you about the owners and V5 question, I have and I'm not "lying" and that comment was uncalled for. All i have done is politely and rightly pointed out to you that you are wrong and then others said the same yet you carry on.

Like I said the example you gave is a compariosn site and not an insurance co and the example I gave you makes sense and easy to see if it is correct, EG, V5 reg keeper is tnot the owner, car is written off/stolen - who gets the money, the registered keepr or the owner that may be different from the reg keepr.
I rest my case.

Let me be clear.
Out of interest I personally checked this morning with the meercats by doing a quote, a full 7 months before I need to think about doing any quotes for my vehicle.
They didn't ask.
So now you mention several insurance companies. Aviva being the first one. So I got a quote. Easy when online. They didn't ask. They do state in their assumptions:the vehicle are or will be owned and registered by either you, YOUR SPOUSE/CIVIL/DOMESTIC PARTNER, a close relative residing at the same address, your company or is the subject of a private or personal leasing contract.
This is taken verbatim.


So in summary:

OP it doesn't matter if the V5 is in your name or the wife's etc. Sweetsand, don't argue with me, I'll beat you with facts. I even put them in bold for you.  
Try again, this is fun.

Scrapit

JamoLew said:

Scrapit said:

Answer falsely and they start to have a reason not to pay however I cant see answering the v5 is in someone else's name(if they ask) would be a valid reason not to pay out.

possibly not - but why take the chance is my view.
Would be interesting to actually see how common/rare the question actually is.
For info - this is direct from my insurance doc which clearly ask for details of the owner and registered keeper

That states that your spouse/civil partner/partner owns the vehicle. So it appears they did ask but it doesn't matter that someone other than you own it. Proves my point.

foxy-stoat

It doesn't matter if a spouse/civil partner is the register keeper or legal owner, but the insurance company askes the question and you have to be honest.  Why not give them the correct information?
Would they refuse to pay out if you lied/put incorrect information on the application if you had a total loss?
Probably not - but why not give them the correct information?

Hopefully you guys can stop bickering - unless you have nothing better to do - carry on.

scrappy_returns

foxy-stoat said:

It doesn't matter if a spouse/civil partner is the register keeper or legal owner, but the insurance company askes the question and you have to be honest.  Why not give them the correct information?
Would they refuse to pay out if you lied/put incorrect information on the application if you had a total loss?
Probably not - but why not give them the correct information?

Hopefully you guys can stop bickering - unless you have nothing better to do - carry on.

No ones saying dont give them the correct info

Marvel1

Scrapit said:

sweetsand said:

JamoLew said:

Scrapit said:

sweetsand said:

Scrapit said:

Why bother? V5 name has no bearing on insurance.

Of course it does, hence the question every car insurance we have taken out asks!
The  fact is and an it is an  imporant one.
It has every bearing on car insurance EG - car is written off - who gets the cash, the owner or the registered keeper that is not the owner, 
ATB

x

No it doesn't. It really, really doesn't matter.
The insurance will pay out to who is named on the policy.
It really is that simple.
Also when did you last get insurance? What company asked you about the v5? Time to back up your "facts".

This really goes against my instinct of agreeing with her BUT
Esure 100% ask the question:
"Are you the registered keeper of this vehicle" (so in effect are asking about the V5)
Pretty sure it's a question on the meerkats site as well
There is zero price difference but I bet in the even of a claim it could be a very costly oversight

Hi
I'm sorry you find it hard to agree with the facts but you did and that is what counts 
Every insurance  application we have seen asks that question at least once and I think possibly twice to clarify the difference between the owner and registered keeper.
Thank you.

No, not every insurance application asks, I suspect its actually the reverse. I guess (without checking) that it is rare to be asked about the v5. I know my current insurer didn't (speacalist) and I also checked and the meercats don't ask. I cannot be bothered to check with the rest but I also strongly suspect you are guessing or just lieing. Do you have direct knowledge, can you provide an example as I asked previously? I'm not saying it isn't asked for, but I believe its extremely rare to be asked about the v5.

Gompare.co.uk

Are you (or will you be) the legal owner of this car?

• Yes
• No

Are you (or will you be) the registered keeper of this car?

• Yes
• No