Addresses on V5, Driving Licence, Insurance...?

[UTH]

Hi Guys

I currently keep my Corvette at my Dad's place in the countryside, locked garage etc, and so that's where my insurance is registered.

However, I live in London, which is the address on my driver's licence and my V5. I'd never want to keep a car like that in London hence it staying at his place.

Am I in the wrong here? I was pulled over by the police recently and during their checks they asked me why the difference in address. I explained the above, but they told me technically the V5 had to match the address the car is insured at? But I just did a Google search and it said that if I change my V5 then I need to change my driving licence address.....but surely my driving licence should have the address I actually live, not the address my car happens to stay overnight?

Any advice appreciated here, don't want to be breaking any rules here, but obviously don't want to be forced to keep my car in London just because I live there?

[Shakermaker]

the V5 should have the details of the car's keeper and the person responsible for taxing it etc.

Otherwise, how do all those off-site storage places work, or fleet vehicles that are registered to a company head office but live all the time on site?

[UTH]

Shakermaker said:

the V5 should have the details of the car's keeper and the person responsible for taxing it etc.

Otherwise, how do all those off-site storage places work, or fleet vehicles that are registered to a company head office but live all the time on site?

So I'm perfectly right and within the law to have the V5 (and my driving licence) as my home address which is not where the car lives?

[Scootersp]

I think 'technically' the officer isn't 100% correct.....I do find when they say something like that it's more "I'd prefer"/"it would make my life easier" etc.

I think you are doing it right, ie insuring the cars where they reside and having the V5/tax reminders etc come to where you reside.

If you have a car in long term paid for storage you wouldn't/couldn't register it there could you?

I personally would ignore, you explained the situation and they let it slide....... relax I say.

[UTH]

Scootersp said:

I think 'technically' the officer isn't 100% correct.....I do find when they say something like that it's more "I'd prefer"/"it would make my life easier" etc.

I think you are doing it right, ie insuring the cars where they reside and having the V5/tax reminders etc come to where you reside.

If you have a car in long term paid for storage you wouldn't/couldn't register it there could you?

I personally would ignore, you explained the situation and they let it slide....... relax I say.

Cool, thanks, that's kind of what I thought as well. They were implying that for insurance purposes someone could insure a car somewhere they don't actually intend on keeping it.....which I suppose is true.....but I'm guessing that by law they can't force all three documents to have the same address so maybe they chance their arm saying that's how it should be when it's not actually the case.

[SonicShadow]

Can't see anything wrong with that setup as long as the car is correctly insured.

[Shakermaker]

UTH said:

Shakermaker said:

the V5 should have the details of the car's keeper and the person responsible for taxing it etc.

Otherwise, how do all those off-site storage places work, or fleet vehicles that are registered to a company head office but live all the time on site?

So I'm perfectly right and within the law to have the V5 (and my driving licence) as my home address which is not where the car lives?

Completely

And your insurance know where the car lives "most" of the time, and if you ask them you can help them determine what they'll use as that - which may be useful if like you, you regularly don't have the car on site with you but do have it there occasionally. But after all, there will be very, very few people who have their car in the same place 365 nights a year, which would assume they never take it on holiday, or go and visit anyone overnight etc.

[Pica-Pica]

1) The V5 has the registered keeper’s name and his or her usual address. That is an address where they can be CONTACTED, not necessarily where the vehicle is kept.
2) A driving licence should also have the holder’s usual address (so same as 1 above, if the holder is also the registered keeper, but may be different if not the registered keeper.
3) The vehicle owner may be a different person and live elsewhere than 1,2, and 4 below
4) The insurance company will want to know where the vehicle is usually kept, and that may be different to 1,2, or 3.

I suppose there could be an argument that OP’s father is the registered keeper, but the OP visits there regularly, and I do not see that particular argument.

[UTH]

Pica-Pica said:

1) The V5 has the registered keeper’s name and his or her usual address. That is an address where they can be CONTACTED, not necessarily where the vehicle is kept.
2) A driving licence should also have the holder’s usual address (so same as 1 above, if the holder is also the registered keeper, but may be different if not the registered keeper.
3) The vehicle owner may be a different person and live elsewhere than 1,2, and 4 below
4) The insurance company will want to know where the vehicle is usually kept, and that may be different to 1,2, or 3.

I suppose there could be an argument that OP’s father is the registered keeper, but the OP visits there regularly, and I do not see that particular argument.

So would you say I can/should keep all my documents as they are now and I'm not breaking any rules/laws?

[51mes]

IMHO Carry on doing what you are doing.

I spoke to my insurance company about this when I moved the MGB from home to classic storage.

They know my home address (for correspondence) and the address where I keep the car (for insurance purposes).

The V5 as as said above is your correspondence address - not necessarily where you keep the car, otherwise how many people who keep their car
on the street would not be able to give an address for the "residence" of the car especially if it's parked 3 streets over, and how could they deliver your speeding fines otherwise... ;-)

S.

[Pica-Pica]

UTH said:

Pica-Pica said:

1) The V5 has the registered keeper’s name and his or her usual address. That is an address where they can be CONTACTED, not necessarily where the vehicle is kept.
2) A driving licence should also have the holder’s usual address (so same as 1 above, if the holder is also the registered keeper, but may be different if not the registered keeper.
3) The vehicle owner may be a different person and live elsewhere than 1,2, and 4 below
4) The insurance company will want to know where the vehicle is usually kept, and that may be different to 1,2, or 3.

I suppose there could be an argument that OP’s father is the registered keeper, but the OP visits there regularly, and I do not see that particular argument.

So would you say I can/should keep all my documents as they are now and I'm not breaking any rules/laws?

That is my understanding of the situation. I also found a question on another site where the vehicle owner has temporarily moved abroad to Spain but kept the car in the U.K. He posted the DVLA response which said that they wanted an address where HE (the registered keeper) could be contacted, NOT where the car was to be kept.

[UTH]

Ok thanks guys appreciate the feedback here, sounds like I am doing the right thing and as per usual the police are bending the truth to make out like you're doing something wrong!

[Truckosaurus]

And, of course, for most leased vehicles the driver never even sees the V5 documents let alone have their name or address on them. (For one of mine I did get a photocopy of the V5 when I requested the 'I am allowed to take this vehicle abroad' paperwork).

[Turbo14]

So if my v5, driving licence and insurance are at the same adress but different from where I'm currently living is still considered fraud? Even if I have a proof of address?

[Huff]

Provided you can be contacted via the address on the first three - no - its the opposite of the example I was going to suggest, which is - suppose I had a second home, and a run-around kept there; lets make that daft example, oh, main residence Dover, second home and runaround, Stornaway.

Car is registered to me in Kent as Keeper, my Licence is ditto; car is left in the Outer Hebrides, and insured as such: no issue whatsoever.

In fact it is no issue if my licence is at my nominal Stornaway address - NIPs etc will be sent to the V5 address. How to contact me for DVLA photocard renewal etc etc has abs nothing to do with the cars I own, where in the world they are - it's about my entitlement to drive in the UK. NOT what cars I am entitled to drive, not linked to personally owned etc. Trivial point already raised - anyone can hire a vehicle: the address on your licence has nothing to do with how that vehicle is owned/insured/available to you.


So - the actual point to think about is - that contact, and frequency of it: if you get an NIP - will you pick it up in time to respond appropriately, if it is not regular contact..?

[vonhosen]

Where are you telling the insurers you reside?

You should be telling them you reside in London & the car is kept/garaged elsewhere.