Car owner has died and spouse left car in will - no V5
Car owner has died and spouse left car in will - no V5
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Discussion

hepy

Original Poster:

1,367 posts

170 months

Wednesday 28th December 2022
quotequote all
Apologies if this is the wrong area to post this in.

A friend of ours has died and she has left her car to her husband. He is in his 70's and hasn't got a clue how to sort anything so we are helping out.

The car has finance outstanding but there is around £2k equity in the car. The finance is in the name of the deceased and we think the car is registered in her name.

So that the car can be sold - will likely use We Buy Any Car or similar - does the V5 need to be changed in to the husband's name? If so, how do we go about this?

Also, will there be a paper V5? Car is around 6 years old - always had lease or company cars myself so never had to deal with any ownership paperwork.

Appreciate any help here.

vonhosen

40,597 posts

247 months

Wednesday 28th December 2022
quotequote all
hepy said:
Apologies if this is the wrong area to post this in.

A friend of ours has died and she has left her car to her husband. He is in his 70's and hasn't got a clue how to sort anything so we are helping out.

The car has finance outstanding but there is around £2k equity in the car. The finance is in the name of the deceased and we think the car is registered in her name.

So that the car can be sold - will likely use We Buy Any Car or similar - does the V5 need to be changed in to the husband's name? If so, how do we go about this?

Also, will there be a paper V5? Car is around 6 years old - always had lease or company cars myself so never had to deal with any ownership paperwork.

Appreciate any help here.
webuyanycar will buy it with the deceased owners name on the V5 if the seller is executor & has death certificate & will etc.
They will also buy with finance outstanding & will settle it.

jm8403

2,515 posts

55 months

Wednesday 28th December 2022
quotequote all
hepy said:
Apologies if this is the wrong area to post this in.

A friend of ours has died and she has left her car to her husband. He is in his 70's and hasn't got a clue how to sort anything so we are helping out.

The car has finance outstanding but there is around £2k equity in the car. The finance is in the name of the deceased and we think the car is registered in her name.

So that the car can be sold - will likely use We Buy Any Car or similar - does the V5 need to be changed in to the husband's name? If so, how do we go about this?

Also, will there be a paper V5? Car is around 6 years old - always had lease or company cars myself so never had to deal with any ownership paperwork.

Appreciate any help here.
Apply for the v5.

The spinner of plates

18,084 posts

230 months

Wednesday 28th December 2022
quotequote all
jm8403 said:
hepy said:
Apologies if this is the wrong area to post this in.

A friend of ours has died and she has left her car to her husband. He is in his 70's and hasn't got a clue how to sort anything so we are helping out.

The car has finance outstanding but there is around £2k equity in the car. The finance is in the name of the deceased and we think the car is registered in her name.

So that the car can be sold - will likely use We Buy Any Car or similar - does the V5 need to be changed in to the husband's name? If so, how do we go about this?

Also, will there be a paper V5? Car is around 6 years old - always had lease or company cars myself so never had to deal with any ownership paperwork.

Appreciate any help here.
Apply for the v5.
No need, as per previous poster if the seller is executor with paperwork ie death certificate & will then it can be sold no problem.

Philvrs

798 posts

127 months

Wednesday 28th December 2022
quotequote all
The spinner of plates said:
jm8403 said:
hepy said:
Apologies if this is the wrong area to post this in.

A friend of ours has died and she has left her car to her husband. He is in his 70's and hasn't got a clue how to sort anything so we are helping out.

The car has finance outstanding but there is around £2k equity in the car. The finance is in the name of the deceased and we think the car is registered in her name.

So that the car can be sold - will likely use We Buy Any Car or similar - does the V5 need to be changed in to the husband's name? If so, how do we go about this?

Also, will there be a paper V5? Car is around 6 years old - always had lease or company cars myself so never had to deal with any ownership paperwork.

Appreciate any help here.
Apply for the v5.
No need, as per previous poster if the seller is executor with paperwork ie death certificate & will then it can be sold no problem.
OP seems to indicate there isn’t a V5 at all.
I’m not 100% sure but i think wbac will want a V5 in someones name, if they’re deceased then death certificate also required.

jm8403

2,515 posts

55 months

Wednesday 28th December 2022
quotequote all
Philvrs said:
OP seems to indicate there isn’t a V5 at all.
I’m not 100% sure but i think wbac will want a V5 in someones name, if they’re deceased then death certificate also required.
When you apply for a v5 they send a letter to the owner, if no reply, they send out v5.

Philvrs

798 posts

127 months

Wednesday 28th December 2022
quotequote all
With regards to wbac without a V5, its on their website.
If OP definitely cannot find the paper V5, a new one will be required


Sheepshanks

41,232 posts

149 months

Wednesday 28th December 2022
quotequote all
hepy said:
The finance is in the name of the deceased and we think the car is registered in her name.

.
If the deceased lady was also the insurance policyholder then he needs to check their stance on allowing him (or anyone else covered) to drive. I've read some insurers seem fine to carry on but when a neighbour of ours died, his wife called their insurer and they wouldn't allow the policy to continue. She had to get a garage to collect the car.

Having said that, I bet many people don't even think about it and just carry on and only tell the insurer at renewal.

Skyedriver

23,564 posts

312 months

Wednesday 28th December 2022
quotequote all
Surely there's a V5 in the house somewhere.

hepy

Original Poster:

1,367 posts

170 months

Wednesday 28th December 2022
quotequote all
Thanks for the help, appreciate it.

We've told him to have a good look for the V5 as otherwise he can't sell straightaway.

May be a daft question but would they have a paper V5 if the car was financed? It's on HP.

On our last few leases, we haven't had a paper V5?

jm8403

2,515 posts

55 months

Wednesday 28th December 2022
quotequote all
The spinner of plates said:
No need, as per previous poster if the seller is executor with paperwork ie death certificate & will then it can be sold no problem.
yes, there is a need.

Philvrs

798 posts

127 months

Wednesday 28th December 2022
quotequote all
hepy said:
Thanks for the help, appreciate it.

We've told him to have a good look for the V5 as otherwise he can't sell straightaway.

May be a daft question but would they have a paper V5 if the car was financed? It's on HP.

On our last few leases, we haven't had a paper V5?
Yes there will be. HP is the finance product to allow the person to buy the car and be the owner. A lease is not the same.

hepy

Original Poster:

1,367 posts

170 months

Wednesday 28th December 2022
quotequote all
Philvrs said:
hepy said:
Thanks for the help, appreciate it.

We've told him to have a good look for the V5 as otherwise he can't sell straightaway.

May be a daft question but would they have a paper V5 if the car was financed? It's on HP.

On our last few leases, we haven't had a paper V5?
Yes there will be. HP is the finance product to allow the person to buy the car and be the owner. A lease is not the same.
Thanks, some top knowledge there and every day's a school day!

Draxindustries1

1,657 posts

53 months

Wednesday 28th December 2022
quotequote all
If the V5 can't be found, apply for the V5 via a V62 form.
Wbac however are owned by BCA and offer online valuations based on a computer algorithm , mileage year two keys, at least 6months mot and no damage. The valuation will get you at their premises then reality sets in. They will look for any cosmetic/ mechanical/ history issues and in some cases knock their original valuation to well below trade value.
It may well be better to pay off any finance and sell the car privately...


Edited by Draxindustries1 on Wednesday 28th December 19:11

Philvrs

798 posts

127 months

Wednesday 28th December 2022
quotequote all
Draxindustries1 said:
If the V5 can't be found, apply for the V5 via a V62 form.
Wbac however are owned by BCA and offer online valuations based on a computer algorithm , mileage year two keys, at least 6months mot and no damage. The valuation will get you at their premises then reality sets in. They will look for any cosmetic/ mechanical/ history issues and in some cases knock their original valuation to well below trade value.
It may well be better to pay off any finance and sell the car privately...


Edited by Draxindustries1 on Wednesday 28th December 19:11
Whilst this is good advice for most scenarios of selling a car, I don’t think this is applicable to the OP situation at all.

vonhosen

40,597 posts

247 months

Wednesday 28th December 2022
quotequote all
Draxindustries1 said:
If the V5 can't be found, apply for the V5 via a V62 form.
Wbac however are owned by BCA and offer online valuations based on a computer algorithm , mileage year two keys, at least 6months mot and no damage. The valuation will get you at their premises then reality sets in. They will look for any cosmetic/ mechanical/ history issues and in some cases knock their original valuation to well below trade value.
It may well be better to pay off any finance and sell the car privately...


Edited by Draxindustries1 on Wednesday 28th December 19:11
Be honest.

I told them about true condition of vehicle etc & they offered me more when they saw it than they did online.

Krikkit

27,938 posts

211 months

Wednesday 28th December 2022
quotequote all
Philvrs said:
Whilst this is good advice for most scenarios of selling a car, I don’t think this is applicable to the OP situation at all.
Indeed. I'd be very cautious about dealing with a financed car under a deceased estate.