Question about V5C address and insurance

[anonymous-user]

Think I know the answer to this, but it would be nice to be told I'm wrong...

My dearest Mater is about to give me her car. She's in her 80s and wants to get a Honda Jazz (like they all do).

It is a very low mileage, totally unmolested Mk 2 Golf GTI 8v with one registered keeper: her. She is quite happy for me to tidy it up, sell it and trouser the proceeds.

Being a grown up, I live with my family, not her.

My objective is to (a) take it off her hands and store it at my house with me insured to drive it; (b) keep the number of RKs at 1.

I'm struggling to see how I can do this. First, the V5C. Leaving her as the RK but changing the address to mine isn't accurate: she doesn't live at my address. Changing the RK to me, at my address violates objective (b). Doing nothing isn't lawful.

Secondly, the insurance. I could go on her policy as the new main driver, and her insurer could be informed of the change of address at which it is to be kept. Might work. Or I could try to insure it with my insurer, even though I'm not the RK. Might not work. Or I could insure it as RK, violating objective (b) again.

Any bright ideas on how to achieve (a) and (b)? Or am I worrying too much about the 1 RK point?

[AGK]

I've insured my old man's motors before in my name. I specifically asked and was informed that as it's family it's still an insurable interest and there wouldn't be an issue that the V5 wasn't in my name.

[eybic]

I'm sure you can be insured on a car without being the RK, it's one of the questions they ask when quoting you.

[Mr SFJ]

At that age 2RK is brilliant, and explain briefly in the add that it was your relatives who you bought it off of and deicded to run for a bit and now selling on. No problem with that, may be 2 former keepers on the log book, but I, as will most people looking at cars of this age will go on history and condition, not registered keepers. One in standard form, with less than 10 keepers is a good thing and they won't care if it's one or 2.

[benedwards64]

You just need to declare to the insurance co that you're not the RK of the vehicle. You may pay a bit more, but as long as you tell them who the RK is and where the car is being kept you should be fine

[atom111]

You can insure a car where you are not the registered keeper with some insurers/brokers try LV or Chris Knott

[Red Devil]

Greg66 said:

Being a grown up, I live with my family, not her.

Your biggest problem will be that all official dealings (VED reminders, parking contravention/motoring offence paperwork, etc.) will go to her. If she forgets about them/neglects to pass them on (either in time or at all), it will cause all sorts of hassle. Do you want to risk that? Not something I would do, but your mother: your call.

[anonymous-user]

Thanks to all so far. The insurance side of it seems pretty straightforward.

That just leaves the V5C

Red Devil said:

Greg66 said:

Being a grown up, I live with my family, not her.

Your biggest problem will be that all official dealings (VED reminders, parking contravention/motoring offence paperwork, etc.) will go to her. If she forgets about them/neglects to pass them on (either in time or at all), it will cause all sorts of hassle. Do you want to risk that? Not something I would do, but your mother: your call.

I could probably rely on her to pass stuff on.

But what about the fact that the V5C would not accurately record either (a) the current keeper of the car (it would say her, but the keeper would be me; or (b) consequently the correct address of the current keeper?

[atom111]

https://www.askthe.police.uk/content/Q743.htm

[Who me ?]

couple of years ago I had similar problem . I had insurance for myself, but MOT AND VED ran out and I was having problems finding the cash. Daughter had bought an old shed to use for work as her insurance co was being funny on the age of the car she had SORNED and wanted back on road. Problem sorted ,she offered it to me for the life of the MOT/VED. Problem was my insurance co - not on V5, NO CAN DO . In the end we transferred the RK to me . I couldn't see them worried about fronting as I was only driver on my policies.

[LoonR1]

As said just declare your mum as the RK on the proposal. Some may charge more but you're doing it to make money so it may cost a little to do that.

[barker22]

Are you going to be the keeper of the car? Then stop worrying about a number on a piece of paper and register yourself as the keeper.

[Roo]

There is a solution to the problem that won't add a keeper to the car.

You just need to think outside the box.