Buying a car - registered keeper / owner
Discussion
Hiya,
For purposes of cheap insurance, I would like a relative of mine living at the same address to be the listed owner and registered keeper of the car I'm going to buy. Could I sign their name when I buy the car? Or how does it work?
This will be the first car I have bought, so I have no experience
For purposes of cheap insurance, I would like a relative of mine living at the same address to be the listed owner and registered keeper of the car I'm going to buy. Could I sign their name when I buy the car? Or how does it work?
This will be the first car I have bought, so I have no experience
so
A) does it matter to insurers at all, who is the owner?
B) for me to be the main driver (which I won't actually be anyway) will cost bout 2.5k p/year. I will only be using it about 15 weeks a year and will go on week by week. I will be paying for the person I want to be registered keeper, to be main driver. as all in all (my insured weeks + their main driver insurance) comes to about 1k - much more affordable than an extra 1.5
C) what is the physical process of buying the car? will the relative I'm putting as the registered keeper have to be present?
A) does it matter to insurers at all, who is the owner?
B) for me to be the main driver (which I won't actually be anyway) will cost bout 2.5k p/year. I will only be using it about 15 weeks a year and will go on week by week. I will be paying for the person I want to be registered keeper, to be main driver. as all in all (my insured weeks + their main driver insurance) comes to about 1k - much more affordable than an extra 1.5
C) what is the physical process of buying the car? will the relative I'm putting as the registered keeper have to be present?
It's going to be my mum, and I will only be on the policy on a week by week basis. I'm doing online quotes and have done the following combinations:
A) me owner, mum rk, me main, mum named
B) me owner, mum rk, mum main, me named
C) mum owner, mum rk, me main, mum named
D) mum owner, mum rk, mum main, me named
only A and C yield results (same quote price) and B & D flag up concerns and have to call up. I'm 21 and have no no claims, license for 3 years so it's going to be high. As I'm only driving for 15 weeks a year (uni most of the time) it's much better to go on a week, by week basis.
My mum is divorced and has reverted back to her maiden name, so it will look like I'm writing a completely different person on the V5 when it comes time to sign after purchase. will the dealer just not care or what? it is a 2nd hand, cheapy dealer, not like an official branded one
A) me owner, mum rk, me main, mum named
B) me owner, mum rk, mum main, me named
C) mum owner, mum rk, me main, mum named
D) mum owner, mum rk, mum main, me named
only A and C yield results (same quote price) and B & D flag up concerns and have to call up. I'm 21 and have no no claims, license for 3 years so it's going to be high. As I'm only driving for 15 weeks a year (uni most of the time) it's much better to go on a week, by week basis.
My mum is divorced and has reverted back to her maiden name, so it will look like I'm writing a completely different person on the V5 when it comes time to sign after purchase. will the dealer just not care or what? it is a 2nd hand, cheapy dealer, not like an official branded one
For the long term, I hear what you guys are saying. The problem is, I've set X amount of money aside, decided on the car I'm getting and the rest is that. I could spend 2.5k on insurance, but then I'd have nothing for summer. So it'll be slightly dodgy and that will be that. After I finish uni and am actually living a proper adults life (opposed to a students / fake adult) I will chance it this way.
The week by week I keep mentioning: buying insurance per week. So if i'm back for winter, i'd buy temporary 4 weeks insurance. works out to be about £25 p/w for me
The week by week I keep mentioning: buying insurance per week. So if i'm back for winter, i'd buy temporary 4 weeks insurance. works out to be about £25 p/w for me
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
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
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
feel free to argue amongst yourselves
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 bfeel free to argue amongst yourselves
ks that changes as you realise how stupid your ideas are and somehow that's everyone's fault but yours. You are a moron.Bert
ks. 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
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