Registered keeper, car tax and insurance

JamoLew

Scrapit said:

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.

It also asked and states that my Spouse etc etc is the registered keeper
I never said it makes a difference - I was merely pointing out that some companies DO ask and that it would be foolish to knowingly answer falsely
I agree it makes no difference to the premium.

foxy-stoat

scrappy_returns said:

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

Looked that way in post #2 - anyway, shouldnt clutter this thread any more than it has been.

sweetsand

Scrapit said:

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.

Sorry, but you are wrong again. Please see my previous posts why it is an important part of your car ins app.
ATB

foxy-stoat

scrappy_returns said:

sweetsand said:

Scrapit said:

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.

Sorry, but you are wrong again. Please see my previous posts why it is an important part of your car ins app.
ATB

How is it wrong?
It's not important, hence why they make assumptions about it. You did read scrapits posts before reporting them? Are you posting about something you know nothing about again? Looks that way.

Jokes.... do you answer all the unimportant questions incorrectly and all the important questions correctly as well?  ANY question on an insurance application is important or they wouldn't ask or assume it.  Still scratching my head as to why anyone wouldn't be 100% honest and truthful to the best of their knowledge when buying insurance.

scrappy_returns

foxy-stoat said:

scrappy_returns said:

sweetsand said:

Scrapit said:

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.

Sorry, but you are wrong again. Please see my previous posts why it is an important part of your car ins app.
ATB

How is it wrong?
It's not important, hence why they make assumptions about it. You did read scrapits posts before reporting them? Are you posting about something you know nothing about again? Looks that way.

Jokes.... do you answer all the unimportant questions incorrectly and all the important questions correctly as well?  ANY question on an insurance application is important or they wouldn't ask or assume it.  Still scratching my head as to why anyone wouldn't be 100% honest and truthful to the best of their knowledge when buying insurance.

Why keep banging on about that? No one, at all, is suggesting giving dishonest answers. It's not important who owns the car, it is important that you do not lie. Really not that difficult to comprehend. Or at least it shouldn't be.

Car_54

scrappy_returns said:

foxy-stoat said:

scrappy_returns said:

sweetsand said:

Scrapit said:

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.

Sorry, but you are wrong again. Please see my previous posts why it is an important part of your car ins app.
ATB

How is it wrong?
It's not important, hence why they make assumptions about it. You did read scrapits posts before reporting them? Are you posting about something you know nothing about again? Looks that way.

Jokes.... do you answer all the unimportant questions incorrectly and all the important questions correctly as well?  ANY question on an insurance application is important or they wouldn't ask or assume it.  Still scratching my head as to why anyone wouldn't be 100% honest and truthful to the best of their knowledge when buying insurance.

Why keep banging on about that? No one, at all, is suggesting giving dishonest answers. It's not important who owns the car, it is important that you do not lie. Really not that difficult to comprehend. Or at least it shouldn't be.

On the contrary, it is very important who owns the car. First, the proposer must have an "insurable interest", and second, it will normally be the owner who gets reimbursed if the car is written off.

Conversely, it doesn't really matter who is the RK. I suspect they only ask in case it alerts them to something fishy.

But I agree it's important not to lie.

foxy-stoat

scrappy_returns said:

foxy-stoat said:

scrappy_returns said:

sweetsand said:

Scrapit said:

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.

Sorry, but you are wrong again. Please see my previous posts why it is an important part of your car ins app.
ATB

How is it wrong?
It's not important, hence why they make assumptions about it. You did read scrapits posts before reporting them? Are you posting about something you know nothing about again? Looks that way.

Jokes.... do you answer all the unimportant questions incorrectly and all the important questions correctly as well?  ANY question on an insurance application is important or they wouldn't ask or assume it.  Still scratching my head as to why anyone wouldn't be 100% honest and truthful to the best of their knowledge when buying insurance.

Why keep banging on about that? No one, at all, is suggesting giving dishonest answers. It's not important who owns the car, it is important that you do not lie. Really not that difficult to comprehend. Or at least it shouldn't be.

Yeah they are, they asked for it to be in the Wifes name but the V5 came through in the Husbands name. The good thing is they realised it and asked what to do.

Some folk are saying don't call the insurance company and make the change because its not important....they didnt ask is it important to keep the details 100% true and correct.

Cant understand what is so difficult to understand.  

Anyway - bored of this BS conversation now.

scrappy_returns

foxy-stoat said:

scrappy_returns said:

foxy-stoat said:

scrappy_returns said:

sweetsand said:

Scrapit said:

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.

Sorry, but you are wrong again. Please see my previous posts why it is an important part of your car ins app.
ATB

How is it wrong?
It's not important, hence why they make assumptions about it. You did read scrapits posts before reporting them? Are you posting about something you know nothing about again? Looks that way.

Jokes.... do you answer all the unimportant questions incorrectly and all the important questions correctly as well?  ANY question on an insurance application is important or they wouldn't ask or assume it.  Still scratching my head as to why anyone wouldn't be 100% honest and truthful to the best of their knowledge when buying insurance.

Why keep banging on about that? No one, at all, is suggesting giving dishonest answers. It's not important who owns the car, it is important that you do not lie. Really not that difficult to comprehend. Or at least it shouldn't be.

Yeah they are, they asked for it to be in the Wifes name but the V5 came through in the Husbands name. The good thing is they realised it and asked what to do.

Some folk are saying don't call the insurance company and make the change because its not important....they didnt ask is it important to keep the details 100% true and correct.

Cant understand what is so difficult to understand.  

Anyway - bored of this BS conversation now.

Who's saying that? Can you quote them?

RBN20

This all seems to have got out of hand. We should all be declaring correct information when applying for insurance, a lot of companies do ask A) who’s the owner and B ) who’s the registered keeper. 

Between a husband and wife or partners of any sort it is unlikely to make any difference and would not void the insurance if it was incorrect. However if the policy is in a parents name, and the owner and registered keeper is their child the insurer is likely to decline this, as it is a form of fronting, in order to get cheaper insurance. 

It was mentioned earlier in the thread that if the owner is a finance company it doesn’t matter as the policy holder will be paid - this is not correct with more insurers. They will pay any outstanding balance to the finance company first, as they are the owners of the vehicle until it is paid off. Then if there is anything left over it will go to the PH. 

I think this has all been an excuse for everyone to argue, and as much as I resent to say it, a certain poster has made a couple of good points, even if they have had to ram it down everyone’s throats until they accept it, even when they won’t accept being corrected on other threads when they are wrong.... 

saying that everyone’s had some relevant points but I would just say, it’s unlikely to make any difference to your insurance company but maybe give them a quick call to let them know, so that you’re being completely transparent 

scrappy_returns

RBN20 said:.However if the policy is in a parents name, and the owner and registered keeper is their child the insurer is likely to decline this, as it is a form of fronting, in order to get cheaper insurance. 

Thats contary to Avivas assumptions as quoted earlier. In your example the parent may be the only driver, which cannot be fronting. But there is a case once you get into the complicated "main driver" element of that. That's said if the insurance are informed of the situation it shouldnt matter.