Gave up licence for health reasons: Do we need to switch the registered keeper?

Tomatillo

My husband is the registered keeper of a car we both drive. He's had to surrender his licence for health reasons so from now on I will be the only driver. Is it necessary/beneficial for us to transfer the car to me as registered keeper? I can't find the exact answer to this anywhere. From what I can see there's no prohibition on a person without a licence being the registered keeper, but I am not sure whether it will be a problem e.g. for insurance? 

If anyone has any experience of this it would be very helpful, thanks, 

Brie

As I understand it he can be the owner even if he is not driving.  This will be the case I believe with motability vehicles.

SiliconChip

Brie said:

As I understand it he can be the owner even if he is not driving.  This will be the case I believe with motability vehicles.

Surely Motability vehicles are leased and are therefore owned by the scheme.

Keep_pedalling

Don’t confuse registered keeper with owner they are not the same thing. In this case we seem to have a jointly owned car with the OPs spouse as the registered keeper.

There is no need to change this, and if you did your husband would have to cancel the VED (car tax) and you would need to pay for it in your name.

You need to inform your insurance company that you are now the sole driver whether you change the RK or not.

Tomatillo

Thank you everyone. 

TooManyPoints

Surely Motability vehicles are leased and are therefore owned by the scheme.

Yes they are owned by the scheme. However, the lessee is the Registered Keeper but Motability holds the V5C (the lessee is provided with a copy). The customer is automatically exempt from paying VED because their qualifying mobility allowance makes them eligible for free VED.  Motability make the arrangements to renew the nil rate VED.

MyRealNameToo

Tomatillo said:

My husband is the registered keeper of a car we both drive. He's had to surrender his licence for health reasons so from now on I will be the only driver. Is it necessary/beneficial for us to transfer the car to me as registered keeper? I can't find the exact answer to this anywhere. From what I can see there's no prohibition on a person without a licence being the registered keeper, but I am not sure whether it will be a problem e.g. for insurance? 

If anyone has any experience of this it would be very helpful, thanks, 

No requirement for the registered keeper to have a driving licence etc but they remain liable for certain things as RK which may or may not make more sense to pass on to the main driver but no obligation to. 

From an insurance perspective insurers dont tend to care much about things shared between spouses and so for the vast majority it will make no difference that you are the insured and main driver but they are the registered keeper - you do have to declare it as factually correct still though.