I brought car for daughter : Owner v's Keeper ?

Tiggy777

Hi all

So update is I now have the car.  The dealer registered it in my name so as far as DVLA is concerned the car is mine as the owner and keeper.

The insurance is much cheaper if my daughter is the owner/keeper due to having multiple car insurance (at her address)

So I don't think she can insure it yet until I get the V5 form and transfer it to her. 

Really p***ed off as we have a car on the drive no one can use until I finally get the V5 form which may be a week away with the BH.

Oh the enjoy of parenthood and trying to help a child !

Tiggy

Car_54

Tiggy777 said:

Hi all

So update is I now have the car.  The dealer registered it in my name so as far as DVLA is concerned the car is mine as the owner and keeper.

As already pointed out, DVLA do NOT have you registered as the owner. There is no register. of ownership.

paul_c123

Tiggy777 said:

Hi all

So update is I now have the car.  The dealer registered it in my name so as far as DVLA is concerned the car is mine as the owner and keeper.

The insurance is much cheaper if my daughter is the owner/keeper due to having multiple car insurance (at her address)

So I don't think she can insure it yet until I get the V5 form and transfer it to her. 

Really p***ed off as we have a car on the drive no one can use until I finally get the V5 form which may be a week away with the BH.

Oh the enjoy of parenthood and trying to help a child !

Tiggy

Look at the wording on the policy. If it says something like "is or WILL BE the registered keeper" just go ahead. Insurance companies deal with people buying a new (to them) car all the time, its not like its a weird edge case as far as that aspect is concerned. Worse case scenario, you can do a normal change of RK once the V5 is with you.

Frozen_up_north

The only issue with insuring a car just purchased is whether it is on the insurance database, ie when you enter the registration number on the insurance company web site, does it accept it? A brand new car may not appear for a couple of days, which is why some manufacturers offer a complimentary insurance for a few days with a new car. We had that issue with a new Seat, Aviva were unable to insure it as the registration wasn't showing on the insurance database and they wouldn't accept that it was correctly shown on the DVLA web site!

Daft, but that's insurance companies for you.

Another similar issue is driving a car that doesn't belong to you where you need the owners permission to drive it 3rd party on your own insurance, or taking temporary insurance to move it. A friend died and their car was on a public road and potentially at risk of theft or vandalism, try as we might, we couldn't obtain insurance to move it... in the end we enlisted the help of a garage to move it on trade plates.

Mildly_Miffed

Frozen_up_north said:

Another similar issue is driving a car that doesn't belong to you where you need the owners permission to drive it 3rd party on your own insurance, or taking temporary insurance to move it. A friend died and their car was on a public road and potentially at risk of theft or vandalism, try as we might, we couldn't obtain insurance to move it... in the end we enlisted the help of a garage to move it on trade plates.

Can't see the issue here.

The executor of their estate would be able to give all the permission required for DOC or short-term cover to be perfectly legit, even assuming there was nobody else on the policy in the first place.

As far as ownership - almost nothing we own has the ownership legally centrally registered. Houses and company shares are about the full extent of it. Vehicle registered keepership is purely about who is legally responsible for taxing it and being the first point of contact for any penalties incurred. It says as much in big letters on the V5C.

Frozen_up_north

Mildly_Miffed said:

Can't see the issue here.

The executor of their estate would be able to give all the permission required for DOC or short-term cover to be perfectly legit, even assuming there was nobody else on the policy in the first place.

Except we rang our insurance company and the company the car was insured with, a relative also asked their insurance company. They all said no, the registered keeper had to give permission... So unless the keeper is firstly changed to the executor, then you have no permission. Sounds daft, but would you risk 6 points and a fine just to move a car?

paul_c123

Frozen_up_north said:

The only issue with insuring a car just purchased is whether it is on the insurance database, ie when you enter the registration number on the insurance company web site, does it accept it? A brand new car may not appear for a couple of days, which is why some manufacturers offer a complimentary insurance for a few days with a new car. We had that issue with a new Seat, Aviva were unable to insure it as the registration wasn't showing on the insurance database and they wouldn't accept that it was correctly shown on the DVLA web site!

Daft, but that's insurance companies for you.

Another similar issue is driving a car that doesn't belong to you where you need the owners permission to drive it 3rd party on your own insurance, or taking temporary insurance to move it. A friend died and their car was on a public road and potentially at risk of theft or vandalism, try as we might, we couldn't obtain insurance to move it... in the end we enlisted the help of a garage to move it on trade plates.

Sounds like an issue with "the insurance database" (that's a new one on me. I suspect its more like they have access to a DVLA database, not their own database of all cars ever) of some (not all) insurers.

And once again, another poster who is conflating registered keeper and owner. We are not discussing who the owner of the car is, or whether they have given permission or not for the daughter to drive it. In fact, referring back to the OP, it is clear that the dad has bought the car for his daughter. While he might have physically transferred the cash to the dealer, it is in fact owned by her, because he says he has gifted it to her (or might have some other family/financial arrangement we don't need to know about). Its her car, no issues on permission or ownership here.

And finally........trade plates don't (in themselves) give blanket insurance cover. They are in lieu of tax and/or first registration. That the garage moved it, probably means it would have come under their motor trade insurance but its nothing to do with the plates.

TooManyPoints

The executor of their estate would be able to give all the permission required for DOC....

Except that many policies which contain a DOC extension stipulate that the car must also be insured in its own right. In the case of a policyholder who had died, the policy dies with him.

Typhoon2000

Did you buy the car in finance? It may be a requirement for the finance company that the car is registered to you as keeper.

ontheroad1970

To the pedants, since there is no such thing as a registered owner database, I think it's reasonable to judge that when any poster talks about registered owner, they mean keeper.  I know that, you know that, so is there any need to waste LED diodes ranting about something that hasn't been misunderstood, being misunderstood.