Buying a car - registered keeper / owner

Buying a car - registered keeper / owner

Author
Discussion

LoonR1

26,988 posts

176 months

Wednesday 1st April 2015
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jay44 said:
Jesus f*cking christ, people

she will be clocking more miles than I will, throughout the year as her car isn't so reliable and will use this car as a backup. So really and truely, she will be the main driver. I am only choosing to go on for x amount of weeks per year, rather than being on a named driver. nothing dodgy about that at all, just the way i've written it - and the lack of care i have either way, even if it is
Of course she will.

After all it makes totla sense for you to pay to buy and run a car for someone else, especially as funds are so tight. I mean, her car is unreliable, so it might break down every now amd then rolleyes

BertBert

18,953 posts

210 months

Wednesday 1st April 2015
quotequote all
jay44 said:
Jesus f*cking christ, people

she will be clocking more miles than I will, throughout the year as her car isn't so reliable and will use this car as a backup. So really and truely, she will be the main driver. I am only choosing to go on for x amount of weeks per year, rather than being on a named driver. nothing dodgy about that at all, just the way i've written it - and the lack of care i have either way, even if it is
So why did you post about the quotes with you as named driver and she as main driver? So she is going to insure it for herself. Then you are going to buy specific weeks of temp insurance from day insure or whatever.

Is that right?

Bert

jshell

11,006 posts

204 months

Wednesday 1st April 2015
quotequote all
Mopar440 said:
Please, please, LoonR1 come on here and offer some of your classic, touchy-feely (but ever-so-accurate) comments!
Job, jobbed I reckon!

Jayho

2,005 posts

169 months

Wednesday 1st April 2015
quotequote all
jay44 said:
Jesus f*cking christ, people

she will be clocking more miles than I will, throughout the year as her car isn't so reliable and will use this car as a backup. So really and truely, she will be the main driver. I am only choosing to go on for x amount of weeks per year, rather than being on a named driver. nothing dodgy about that at all, just the way i've written it - and the lack of care i have either way, even if it is
Youth comes on Forum asking for advice.
Advice Given.
Advice Not liked.
Youth Kicks off at people he is asking advice for because they are trying to educate youth.

By sounds of things you want to have the freedom of an adult without the responsibilities of one, not just in terms of your car purchase but in life in general.

98elise

26,376 posts

160 months

Wednesday 1st April 2015
quotequote all
jay44 said:
Jesus f*cking christ, people

she will be clocking more miles than I will, throughout the year as her car isn't so reliable and will use this car as a backup. So really and truely, she will be the main driver. I am only choosing to go on for x amount of weeks per year, rather than being on a named driver. nothing dodgy about that at all, just the way i've written it - and the lack of care i have either way, even if it is
They you just need one set of quotes based on what your actual situation is. If you are test various scenarios then al but one of them will be untrue.

Its no different to trying various mates postcodes to see which one will net you the best insurance, then claiming the car will be kept there.

LoonR1

26,988 posts

176 months

Wednesday 1st April 2015
quotequote all
Forgot to say that these multiple quotes where the main driver has been played around with will have flagged fraud concerns with either the insurer or aggregator site.

Expect a call off whoever you take the policy with to clarify the situation.

iva cosworth

44,044 posts

162 months

Wednesday 1st April 2015
quotequote all
Jayho said:
Youth comes on Forum asking for advice.
Advice Given.
Advice Not liked.
Youth Kicks off at people he is asking advice for because they are trying to educate youth.

By sounds of things you want to have the freedom of an adult without the responsibilities of one, not just in terms of your car purchase but in life in general.
You forgot...Youth changes story to not look like a fraudster.

btcc123

1,243 posts

146 months

Wednesday 1st April 2015
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speedking31 said:
btcc123 said:
You said you are 21 and have no NCB,licence for 3 years and think you said that its your first car.

I put my 17 year old son with a 3 month provisional licence as the insurance policyholder and me and the wife as the named drivers 55 and 51 years old. Car is a 2003 Toyota Yaris 1.0 worth about £1300 with Quinn Direct for £366 fully comp.

It will depend on how many years NCB your mum has and the type of car you want to buy but with a bit of searching around there are some good deals to be had. I realise that when my son passes his driving test the premium will go up.

Or as your your mum to be the policyholder and you to be a full or part time named driver should no be too expensive.
L driver scenario is massively different.
I am aware of that.Six years ago my daughter was insured with this car with the policy in her name and me and the wife as named drivers and with the same insurance company it cost with a provisional licence £1300 third party fire and theft.When she passed her test it went up £200

What I am saying is that for the same circumstances the insurance is £366 now fully comp so a lot cheaper and appreciate it will increase when he passes his test but do not know how much yet.

BertBert

18,953 posts

210 months

Wednesday 1st April 2015
quotequote all
btcc123 said:
What I am saying is that for the same circumstances the insurance is £366 now fully comp so a lot cheaper and appreciate it will increase when he passes his test but do not know how much yet.
A lot.
Bert

Old Merc

3,486 posts

166 months

Wednesday 1st April 2015
quotequote all
[quote=Neonblau]Do you think he'll be declaring the mods;

http://www.pistonheads.com/gassing/topic.asp?h=0&a...

I love the bit in the link above where the OP jay44....."slaps head" "sighs hard" and says I`m a young naive boy racer.

Unfortunately there are quite a lot like him on the road,and I suspect illegally??
I just hope he`s no where near me.

V8forweekends

2,481 posts

123 months

Wednesday 1st April 2015
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Mopar440 said:
The irony is strong here....
Indeed it is laugh

jay44

Original Poster:

119 posts

114 months

Wednesday 1st April 2015
quotequote all
obviously this isn't the place for the question I've asked. most of you are concerned with the legitimacy of what i've asked and trying to point my wrongs out. to be frank, i don't feel the need to defend myself or my (future) actions. just for the record though, the current mods that are in place (exhaust already fitted + have the new air filter) have been declared on policy quotes.

feel free to argue amongst yourselves

BertBert

18,953 posts

210 months

Wednesday 1st April 2015
quotequote all
jay44 said:
obviously this isn't the place for the question I've asked. most of you are concerned with the legitimacy of what i've asked and trying to point my wrongs out. to be frank, i don't feel the need to defend myself or my (future) actions. just for the record though, the current mods that are in place (exhaust already fitted + have the new air filter) have been declared on policy quotes.

feel free to argue amongst yourselves
But you come on here, talk a load of bks that changes as you realise how stupid your ideas are and somehow that's everyone's fault but yours. You are a moron.
Bert

LoonR1

26,988 posts

176 months

Thursday 2nd April 2015
quotequote all
BertBert said:
jay44 said:
obviously this isn't the place for the question I've asked. most of you are concerned with the legitimacy of what i've asked and trying to point my wrongs out. to be frank, i don't feel the need to defend myself or my (future) actions. just for the record though, the current mods that are in place (exhaust already fitted + have the new air filter) have been declared on policy quotes.

feel free to argue amongst yourselves
But you come on here, talk a load of bks that changes as you realise how stupid your ideas are and somehow that's everyone's fault but yours. You are a moron.
Bert
rofl

jay44

Original Poster:

119 posts

114 months

Thursday 2nd April 2015
quotequote all
BertBert said:
jay44 said:
obviously this isn't the place for the question I've asked. most of you are concerned with the legitimacy of what i've asked and trying to point my wrongs out. to be frank, i don't feel the need to defend myself or my (future) actions. just for the record though, the current mods that are in place (exhaust already fitted + have the new air filter) have been declared on policy quotes.

feel free to argue amongst yourselves
But you come on here, talk a load of bks that changes as you realise how stupid your ideas are and somehow that's everyone's fault but yours. You are a moron.
Bert
asking something that's dodgy, isn't talking bks. i realised that 95% of you (think there was one person giving the advice i was after) aren't interested in advising something dodgy, and would prefer to advise me on either theright way of doing things, or let me know how you think i should - which was not the point in the post.

maybe i was naive to think i'd get an answer, but i've come to realise in my short time on these forums, that if someone doesn't agree with what you're saying; rather than ignoring it and moving to a different thread, people are over-fruitful in providing their opinion and slating the OP when they disagree

The Mad Monk

10,474 posts

116 months

Thursday 2nd April 2015
quotequote all
Old Merc said:
I thought you had to be intelligent and pass exams to go to uni ??
When people are there they listen to advice and progress.
No longer the case, I am sorry to say.

Just have a look at the use of English language, English grammar and composition of the OP's posts if you needed evidence of that.

LoonR1

26,988 posts

176 months

Thursday 2nd April 2015
quotequote all
jay44 said:
asking something that's dodgy, isn't talking bks. i realised that 95% of you (think there was one person giving the advice i was after) aren't interested in advising something dodgy, and would prefer to advise me on either theright way of doing things, or let me know how you think i should - which was not the point in the post.

maybe i was naive to think i'd get an answer, but i've come to realise in my short time on these forums, that if someone doesn't agree with what you're saying; rather than ignoring it and moving to a different thread, people are over-fruitful in providing their opinion and slating the OP when they disagree
You got an answer. You got the same answer off pretty well everyone who posted on here. However, you didn't like those answers, as you thought you'do invented a genius way of insuring a car, whereas everyone else knows it's been done plenty of times before and even hades it's own name amd is fraud.

That's the point where your dummy came out and you insisted, you didn't care "coz I iz gangsta innit bruv". Face it, your master plan has been called out as a bit of a dud and you're not happy, so are going on the offensive and pretending everyone else is to blame, rather than looking in the mirror.

The Mad Monk

10,474 posts

116 months

Thursday 2nd April 2015
quotequote all
jay44 said:
asking something that's dodgy, isn't talking bks. i realised that 95% of you (think there was one person giving the advice i was after) aren't interested in advising something dodgy, and would prefer to advise me on either theright way of doing things, or let me know how you think i should - which was not the point in the post.

maybe i was naive to think i'd get an answer, but i've come to realise in my short time on these forums, that if someone doesn't agree with what you're saying; rather than ignoring it and moving to a different thread, people are over-fruitful in providing their opinion and slating the OP when they disagree
Yes, unfortunately that is the problem with motoring discussion forums. Some people will insist on discussing things.

You have my sympathy, I realise how irritating this must be for you.

What can we do?

BertBert

18,953 posts

210 months

Thursday 2nd April 2015
quotequote all
jay44 said:
asking something that's dodgy, isn't talking bks. i realised that 95% of you (think there was one person giving the advice i was after) aren't interested in advising something dodgy, and would prefer to advise me on either theright way of doing things, or let me know how you think i should - which was not the point in the post.
That's an interesting philosophical question. Worth exploring.

You came on and asked about whether you could:
a/ buy the car and make the RK your Mum without her present at the point of sale
b/ get her to insure it for 12 months and you be a named driver for specific periods in the year.

What did you mean by "could"? We probably (all) have different definitions.

Perhaps could=physically possible regardless of the legality and risk?
Perhaps could=physically possible and completely above board with no risk?

I think most of the people replying on here expect "could" to mean completely legal or only with a minimal level of risk.

So (as I said earlier), putting your Mum as RK by filling in her details on the V5 and signing it for her... Is possible, not right, but low level of risk. So only slightly dodgy. So seems to me to count as "could".

Getting your Mum to insure, not really using the car and you buying temp ins cover as you go (either using "dayinsure" or being a named driver for a week), pretty dodgy, could have fairly serious legal consequences. So in the majority of PHers' answers would count as "could not".

Perhaps if you'd started with the explanation that you wanted help with illegal ways of insuring a car, I'd have labelled that as the act of a "dishonest tt who's not very clever and likely to get caught".

As it was it seemed like you wanted your solution to be above board. Hence the "talking bks" label. Apologies for my mistake.

Bert