Car transfer query - disabled son.

John1125

Hi - appreciate any advice and sorry if all a bit obvious and my query long-winded.
My elderly father (87) has decided to stop driving as his memory is failing and he was struggling to remember how to drive... he hasn't used car in year or so and and has now 'gifted' the car to my son.
However, my son has a disability (epilepsy) and is waiting clearance from the DVLA to see if he can learn to drive.  To note - he's only ever had nocturnal epilepsy, ie in his sleep, and it's been over 3 years (consistency measure) and it's well-controlled on medication etc. 
I wasn't sure about putting the car in my son's name as he doesn't have a provisional licence yet so I've put it in my name.  I already have my own car.
My thinking is once my son hopefully get's DVLA clearance I can transfer car ownership to him.
I've filled out the DVLA transfer of ownership online and also completed the V5 logbook which my Dad's signed and so have I (as previous owner/new keeper).
I understand it can take up to 6 weeks to get the new logbook - can I just check whilst this is being processed am I ok to:
- Get car added to my existing insurance policy (2 cars instead of 1)
- Get an MOT completed (my Dad's was running until Oct but he has cancelled insurance and AA breakdown cover on his side so I couldn't drive it without)
- Get car tax - although my son has PIP and full mobility so I'm not sure if he'd get any discount (have never applied for same before)
It's quite an old car 2013 but only has 25,000 miles on clock and is well-maintained as he parked it in the garage and had it serviced every year.  It's a small hyundai i10 so I think would be ideal to learn in (I have a large SUV).
Is there anything I'm missing or need to do as previously car showroom has done it all and I'm a bit unsure.
Thanks in advance. 

badmemory

I can't answer all your questions but I have a friend who had to wait the 3 years clear of epilepsy.  I have another older friend who owns quite a few vehicles which his, reduced at 70, licence no longer allows him to drive but does not prevent him from owning.

Typhoon2000

Yes you can insure any car, even one not registered to you.
Yes can get any car MOTed by taking it to a MOT station, even one registered to someone else.
If you filled in the transfer online, you are supposed to dispose of the old paper V5c. You can use the new keepers supplement to tax it while waiting for the new V5c to arrive. (Seems to be around 4-5 working days at the moment).
And yes, you can register the car in your sons name even if he doesn’t have a licence.

born_again

If you did change of ownership online. Expect to get V5 back in a week.

Do you have a area off road to store car. If so just SORN it once V5 arrives.

Then just wait & see what DVLA say re son.

400ixl

If the current MOT is valid until October then you don't need to re-do it. It is against the car not the owner, so remains valid.

Insurance wise, you may find that your insurance will not just add it to your current policy. Some may cover it temporarily, but you will likely need to more to a multi car policy and your NCD will only apply to one of them.

If it was parked off the road, the best thing would have been to declare it SORN and just wait for the news of whether your son can drive. Probably still the best route if you can keep it on private land. 

Bigphil1474

Just to be clear - you have not changed ownership by updating the V5C - that is just the registered keeper. You could have just registered it in your son's name. You don't need to have a license to be a registered keeper. If the car was given to your son, it is still his even if you are the RK.

As others have said, you may need a multi car insurance. If your son does start driving and is the main driver, make sure the insurance reflects that - he'd be better off with his own policy when that happens, just don't allow him to be the main driver if the insurance has you as the main driver (that's illegal). You may also need to update your own insurer as you now have access to a second car at your property, registered in your name. 

I'm not aware of any discount on road tax for disability, but it might be worth exploring the Motability scheme (not sure how that works but some recipients of PIP can access motoring benefits).

If you don't actually need the car at the moment, do you have somewhere it can be parked up off the road? If so, you can SORN it and don't need to tax or MOT it just yet, and insurance is optional. If it's parked on the road, it will need sorting. It is worth getting the car serviced if it's been stood for over a year. Probably need a good look at from someone who knows what they are doing. 

born_again

Bigphil1474 said:

Just to be clear - you have not changed ownership by updating the V5C - that is just the registered keeper. You could have just registered it in your son's name. You don't need to have a license to be a registered keeper. If the car was given to your son, it is still his even if you are the RK.

As others have said, you may need a multi car insurance. If your son does start driving and is the main driver, make sure the insurance reflects that - he'd be better off with his own policy when that happens, just don't allow him to be the main driver if the insurance has you as the main driver (that's illegal). You may also need to update your own insurer as you now have access to a second car at your property, registered in your name. 

I'm not aware of any discount on road tax for disability, but it might be worth exploring the Motability scheme (not sure how that works but some recipients of PIP can access motoring benefits).

If you don't actually need the car at the moment, do you have somewhere it can be parked up off the road? If so, you can SORN it and don't need to tax or MOT it just yet, and insurance is optional. If it's parked on the road, it will need sorting. It is worth getting the car serviced if it's been stood for over a year. Probably need a good look at from someone who knows what they are doing. 

As OP son has full PIP mobility, they are entitled to 100% discount on VED.
Std PIP mobility gets you 50% discount.👍