Registered keeper, car tax and insurance

chrisw

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. 

I'm afraid that's incorrect as well. It would only be fronting if the insurer was misled as to who was going to drive the car the most, irrespective of policy holder, owner or keeper. Providing each element is correctly declared, there will be no issue.

RBN20

chrisw said:

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. 

I'm afraid that's incorrect as well. It would only be fronting if the insurer was misled as to who was going to drive the car the most, irrespective of policy holder, owner or keeper. Providing each element is correctly declared, there will be no issue.

I worked in a motor insurance company and we wouldn’t quote if the child was the owner and the parent was the policy holder, so I’m only going from that, hence why I said ‘likely’ and not ‘definitely’ 🤷🏼‍♀️ 

sweetsand

Hi
I've said and a couple of others have stated this, just complete the app honestly and accurately as this is what the insurance company asks for. Then when, if things go bellies up, you can at least rest assured that you've completed the app accurately.

I'm not seekign a debate on this but when they ask you how many miles you do. If you have just the one car and access to no others, a friend told me that if you did low miles you'd think risk was reduced but oh no, not at all in certain scenarios as the ins feels you loose driving experience. So complete form honestly and accurately.

Thanks

AdrianC

RBN20 said:

chrisw said:

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. 

I'm afraid that's incorrect as well. It would only be fronting if the insurer was misled as to who was going to drive the car the most, irrespective of policy holder, owner or keeper. Providing each element is correctly declared, there will be no issue.

I worked in a motor insurance company and we wouldn’t quote if the child was the owner and the parent was the policy holder, so I’m only going from that, hence why I said ‘likely’ and not ‘definitely’ 🤷🏼‍♀️ 

That's your classic fronting situation, though.

chrisw

AdrianC said:

RBN20 said:

chrisw said:

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. 

I'm afraid that's incorrect as well. It would only be fronting if the insurer was misled as to who was going to drive the car the most, irrespective of policy holder, owner or keeper. Providing each element is correctly declared, there will be no issue.

I worked in a motor insurance company and we wouldn’t quote if the child was the owner and the parent was the policy holder, so I’m only going from that, hence why I said ‘likely’ and not ‘definitely’ 🤷🏼‍♀️ 

That's your classic fronting situation, though.

It's only fronting if the parent is declared main driver when it will actually be driven more by the child. The owner, keeper or policy holder is irrelevant.

chrisw

RBN20 said:

chrisw said:

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. 

I'm afraid that's incorrect as well. It would only be fronting if the insurer was misled as to who was going to drive the car the most, irrespective of policy holder, owner or keeper. Providing each element is correctly declared, there will be no issue.

I worked in a motor insurance company and we wouldn’t quote if the child was the owner and the parent was the policy holder, so I’m only going from that, hence why I said ‘likely’ and not ‘definitely’ 🤷🏼‍♀️ 

The refusal to quote is based upon a suspicion that fronting may take place and is at the discretion of the insurance companies whether they take the risk. Fronting itself is illegal and can lead to a criminal conviction.

foxy-stoat

scrappy_returns said:

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?

Naaaa, I am out.

foxy-stoat

RBN20 said:

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 

Its the normal these days, folk like to argue because they have nothing better to do...mask wearing, giving details about track and trace, now its insurance applications.  Fronting really gets people going.

Hope the OP has been suitably advised one way or the other.

Now I am out.

scrappy_returns

foxy-stoat said:

scrappy_returns said:

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?

Naaaa, I am out.

Well worth you posting.