not registered keeper - insurance
Discussion
probably a simple one...
What are the issues with trying to get insurance if you are not the registered keeper of a vehicle?
They always ask the question when you're getting a quote so what difference does it make if you aren't RK? Will they insure you just the same or does it create major problems?
What are the issues with trying to get insurance if you are not the registered keeper of a vehicle?
They always ask the question when you're getting a quote so what difference does it make if you aren't RK? Will they insure you just the same or does it create major problems?
No problem at all.
Due to some poor admin on my part years go, my partner is the registered keeper of my car, and i am RK of her car.
So the car I am RK for is insured in her name with me as a named driver, and vice versa. Never caused any issues, you just need to make sure that the "right" person is named as principle driver.
Due to some poor admin on my part years go, my partner is the registered keeper of my car, and i am RK of her car.
So the car I am RK for is insured in her name with me as a named driver, and vice versa. Never caused any issues, you just need to make sure that the "right" person is named as principle driver.
A couple of years ago I borrowed one of my mates cars for a couple of weeks that had been SORN, I mentioned to the insurers that I wasn't the registered keeper, they wouldn't insure me and then i back tracked and said that I was the RK.
2 weeks later they contacted me and said my insurance was going to cease from a certain date as they had checked back through their recordings and with DVLA that I wasn't the registered keeper...
Fortunately by this time my 2 weeks of borrowing his car was up
It did take me by surprise...! Not too sure if that counts as 'ever having your insurance cancelled....'?
2 weeks later they contacted me and said my insurance was going to cease from a certain date as they had checked back through their recordings and with DVLA that I wasn't the registered keeper...
Fortunately by this time my 2 weeks of borrowing his car was up
It did take me by surprise...! Not too sure if that counts as 'ever having your insurance cancelled....'?
My advice is don't lie. I recently had to provide proof of no claims, driving license and v5c documentation. They check weather policy is correct i.e who registered keeper is etc ..
They requested this from me 6-7 weeks into a policy past the 14 day fooling off period so they smash you with admin fees, cancellation fees etc... luckily mine was spot on but I've since heard of people having policies cancelled which you really don't want on your record. Deposits lost etc....
They requested this from me 6-7 weeks into a policy past the 14 day fooling off period so they smash you with admin fees, cancellation fees etc... luckily mine was spot on but I've since heard of people having policies cancelled which you really don't want on your record. Deposits lost etc....
66HFM said:
A couple of years ago I borrowed one of my mates cars for a couple of weeks that had been SORN, I mentioned to the insurers that I wasn't the registered keeper, they wouldn't insure me and then i back tracked and said that I was the RK.
2 weeks later they contacted me and said my insurance was going to cease from a certain date as they had checked back through their recordings and with DVLA that I wasn't the registered keeper...
Fortunately by this time my 2 weeks of borrowing his car was up
It did take me by surprise...! Not too sure if that counts as 'ever having your insurance cancelled....'?
You were a bit bonkers doing that - if you'd had an at fault accident the insurer wouldn't have paid for own damage but would have been forced to pay out to any 3rd party and they'd then come after you for their costs.2 weeks later they contacted me and said my insurance was going to cease from a certain date as they had checked back through their recordings and with DVLA that I wasn't the registered keeper...
Fortunately by this time my 2 weeks of borrowing his car was up
It did take me by surprise...! Not too sure if that counts as 'ever having your insurance cancelled....'?
And if you didn't get in first and cancel it, then it does count as having your insurance cancelled.
Geoffcapes said:
My wife is the registered keeper of her car, but I insure it. And she's a named driver. (I've got the NCB).
Never had an issue.
Well don't they ask what relationship you have with the RK? In your case (as I often do) change the selector to 'spouse'. Never had an issue.
That's the only circumstances under which I've previously tried to get insurance without being RK.
So what if it is a friends car as per above / my situation?
My partner and I have done it loads of times. When circumstances change (new car, different commute etc) we often end up swapping cars and what we use them for.
We keep the car owner and RK as we originally purchased them, but insure the main driver how they are currently being used.
It means my partner has ended up with insurance that states she is neither the RK or owner of the car (which is entirely correct).
I don't know if that would be OK for a friend. My partner and I are not married but most companies recognise that as being a couple.
We keep the car owner and RK as we originally purchased them, but insure the main driver how they are currently being used.
It means my partner has ended up with insurance that states she is neither the RK or owner of the car (which is entirely correct).
I don't know if that would be OK for a friend. My partner and I are not married but most companies recognise that as being a couple.
98elise said:
My partner and I are not married but most companies recognise that as being a couple.
I've always had my wife's car with me as RK but I switched the insurance to her as policyholder a few years go simply to give her the safety net of DOC cover after her dad insisted she should drive his car when they'd gone somewhere and he didn't want to drive back.LV told me for a couple living together they don't care how it's done and the premium would be the same. Then when I went ahead and id it, the premium came down!
Some insurers simply don't allow it though. However I bet there's loads of people with lease cars who haven't declared that they're not the RK or PCP buyers who haven't said they're not the owner.
Ste372 said:
My advice is don't lie. I recently had to provide proof of no claims, driving license and v5c documentation. They check weather policy is correct i.e who registered keeper is etc ..
They requested this from me 6-7 weeks into a policy past the 14 day fooling off period so they smash you with admin fees, cancellation fees etc... luckily mine was spot on but I've since heard of people having policies cancelled which you really don't want on your record. Deposits lost etc....
They requested this from me 6-7 weeks into a policy past the 14 day fooling off period so they smash you with admin fees, cancellation fees etc... luckily mine was spot on but I've since heard of people having policies cancelled which you really don't want on your record. Deposits lost etc....
Donbot said:
Ste372 said:
My advice is don't lie. I recently had to provide proof of no claims, driving license and v5c documentation. They check weather policy is correct i.e who registered keeper is etc ..
They requested this from me 6-7 weeks into a policy past the 14 day fooling off period so they smash you with admin fees, cancellation fees etc... luckily mine was spot on but I've since heard of people having policies cancelled which you really don't want on your record. Deposits lost etc....
They requested this from me 6-7 weeks into a policy past the 14 day fooling off period so they smash you with admin fees, cancellation fees etc... luckily mine was spot on but I've since heard of people having policies cancelled which you really don't want on your record. Deposits lost etc....
ingenieur said:
The car in question has some value so I want more than just a green tick on the MID website. I actually want the insurance to cover in case of a loss.
It was just the typo that tickled me.Why not just transfer the RK to yourself? If someone else is insuring the car you will have to go on their insurance (or they will have to go on yours) as you can't have multiple policies on the same vehicle.
Bumping an old thread to get some guidance on this.
In our house we have 3 cars, two in my name (both on separate policies with me as the main driver) and now a car leased through my work salary sacrifice scheme. That leased car replaced Mrs Pixelmix's car on which she was the main insured driver and has 9 years+ NCB.
We use cars interchangeably so I was thinking that I would put Mrs Pixelmix as the main driver on one of "my" cars when it is up for renewal. That will allow her to keep her NCB, and as a bonus, I could move my 9 years NCB from that car to my other car (where I have less NCB as I've only owned it for 4 years). From the chat above, it seems that this is possible from some but not all insurers.
Am I as well just to transfer the car in question into her name, which will keep all insurers happy? Even if I do this on the last/first day of the month, I can't see how I can do this without paying for two months of VED though (not that this is a massive hit)?
In our house we have 3 cars, two in my name (both on separate policies with me as the main driver) and now a car leased through my work salary sacrifice scheme. That leased car replaced Mrs Pixelmix's car on which she was the main insured driver and has 9 years+ NCB.
We use cars interchangeably so I was thinking that I would put Mrs Pixelmix as the main driver on one of "my" cars when it is up for renewal. That will allow her to keep her NCB, and as a bonus, I could move my 9 years NCB from that car to my other car (where I have less NCB as I've only owned it for 4 years). From the chat above, it seems that this is possible from some but not all insurers.
Am I as well just to transfer the car in question into her name, which will keep all insurers happy? Even if I do this on the last/first day of the month, I can't see how I can do this without paying for two months of VED though (not that this is a massive hit)?
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