Driving but not registered owner or keeper

[Alpha32]

Hello,

I just bought a new car and i'm not the registered owner or keeper because the car is on finance and I got declined (no idea why, I have/had a great credit score, and I work, never been refused before) so I had to get my parent (mum) to take out the finance in her name... and because it's company policy they registered the car in her name (probably because it's easier for them to repossess the car if it's not paid if it's registered to the person who's name is on the finance?)

She can't drive, no license i'm the main driver so what happens if say i'm caught speeding (unlikely, cruise control, speed limiter) how does that work if shes the owner and keeper? As you can tell, i've never done this before and laws change at the drop of a hat

Does it not matter who's name it's registered to as long as I have insurance in my name, it's taxed and mot? Because as far as i'm aware police ask who was driving at the time of the offence anyway correct?

I spoke to DVLA to see if she can be removed as owner and keeper but they said no, I can only be added as an additional keeper but it seemed like a lot of hassle and said i'd keep it as it was but forgot to ask this to them -- havn't been able to get them back on the phone since!


Any help would be greatly appreciated



Kind Regards

[SS2.]

If you were snapped speeding (as opposed to being pulled over for the same), and subject to a handful of statutory exemptions, a Notice of Intended Prosecution would require to be served on the registered keeper within 14 calendar days.

If the RK wasn't driving the vehicle at the time of the alleged offence, they'd be required to either name the driver or to provide any information which was in their power to give and which may lead to identification of the driver.

If you were nominated by A N Other person, you would in due course receive a notice requiring you to either confirm you were the person driving the vehicle, or to name the person who was. You see how it goes.

Does it matter if you're not the RK ? If your insurer, the finance company and any other interested parties are happy with the arrangement, then the answer is no.

[Alpha32]

SS2. said:

If you were snapped speeding (as opposed to being pulled over for the same), and subject to a handful of statutory exemptions, a Notice of Intended Prosecution would require to be served on the registered keeper within 14 calendar days.

If the RK wasn't driving the vehicle at the time of the alleged offence, they'd be required to either name the driver or to provide any information which was in their power to give and which may lead to identification of the driver.

If you were nominated by A N Other person, you would in due course receive a notice requiring you to either confirm you were the person driving the vehicle, or to name the person who was. You see how it goes.

Does it matter if you're not the RK ? If your insurer, the finance company and any other interested parties are happy with the arrangement, then the answer is no.

So yeah, basically DVLA nor Police care who the registered owner and/ keeper is as long as *if* I were to be caught speeding they're told I was the one driving and it's insured (in my name, and are aware i'm not the registered owner and keeper), taxed and has a MOT.


Kind Regards

[martinbiz]

Alpha32 said:

So yeah, basically DVLA nor Police care who the registered owner and/ keeper is as long as *if* I were to be caught speeding they're told I was the one driving and it's insured (in my name, and are aware i'm not the registered owner and keeper), taxed and has a MOT.

Kind Regards

They won’t require or be interested in any of that unless they feel someone is spinning them a yarn. All they will want is the details of the person driving at the time

[Mark V GTD]

Interesting that your Mum was able to obtain car finance without holding a driving license. It certainly always used to be the case that you had to. I recently had to send my original license to the dealer when I signed up for a new car lease - and I am not even the keeper.

[giantdefy]

There is no such thing as a registered owner as there is no register of owners. The DVLA maintain a register of keepers though.

[BertBert]

Mark V GTD said:

Interesting that your Mum was able to obtain car finance without holding a driving license. It certainly always used to be the case that you had to. I recently had to send my original license to the dealer when I signed up for a new car lease - and I am not even the keeper.

Perhaps that was general KYC stuff, DL or passport plus utility bill?

[The Mad Monk]

Alpha32 said:

Hello,


She can't drive, no license i'm the main driver so what happens if say i'm caught speeding (unlikely, cruise control, speed limiter) how does that work if shes the owner and keeper? As you can tell, i've never done this before and laws change at the drop of a hat


Any help would be greatly appreciated



Kind Regards

First things first.

None of us have a license, so try not to worry about it.

DVLA will send a notice to the registered keeper. The registered keeper must inform DVLA who the driver was at the time of the alleged offence. If the keeper doesn't comply, that is an offence.

I hope this helps.

yours etc

Love and kisses to all

Your old friend

Monky

[V8RX7]

My Insurer specifically asks if I am the Registered keeper

[2 sMoKiN bArReLs]

V8RX7 said:

My Insurer specifically asks if I am the Registered keeper

Me too, but since I've never said no I don't know if there are any implications

[Graveworm]

2 sMoKiN bArReLs said:

Me too, but since I've never said no I don't know if there are any implications

I am not sure, in this case, what insurable interest the OP has in the car. If it were me, I get the RTA requirement but, if the car was stolen or caught fire, I (And I assume the finance company) would be concerned that there is no insurance to cover the loss.

If you are caught speeding etc then the S172 requirement would come to your mum. She then nominates you and you get a similar requirement.

Practically, if you are not worried about the spirit of the law, your mum could stay mute and she would get a fine and points on her notional licence, for failing to nominate you (Which, other than financially, won't impact her) but you would not be encumbered.

Edited by Graveworm on Sunday 23 February 13:31

[4rephill]

giantdefy said:

There is no such thing as a registered owner as there is no register of owners. The DVLA maintain a register of keepers though.

[speedyman]

Op, it works in exactly the same way as if you are driving a hired car, you pick up the tab after the registered keeper gets notified of an offence and names you as the driver. The keeper is responsible for getting the tax, mot and insurance sorted, you just pay your mum in your case.

[SS2.]

The Mad Monk said:

Alpha32 said:

Hello,

She can't drive, no license i'm the main driver so what happens if say i'm caught speeding (unlikely, cruise control, speed limiter) how does that work if shes the owner and keeper? As you can tell, i've never done this before and laws change at the drop of a hat

Any help would be greatly appreciated

Kind Regards

First things first.

None of us have a license, so try not to worry about it.

DVLA will send a notice to the registered keeper. The registered keeper must inform DVLA who the driver was at the time of the alleged offence. If the keeper doesn't comply, that is an offence.

I hope this helps.

It might have done if it was correct.

[The Mad Monk]

SS2. said:

The Mad Monk said:

Alpha32 said:

Hello,

She can't drive, no license i'm the main driver so what happens if say i'm caught speeding (unlikely, cruise control, speed limiter) how does that work if shes the owner and keeper? As you can tell, i've never done this before and laws change at the drop of a hat

Any help would be greatly appreciated

Kind Regards

First things first.

None of us have a license, so try not to worry about it.

DVLA will send a notice to the registered keeper. The registered keeper must inform DVLA who the driver was at the time of the alleged offence. If the keeper doesn't comply, that is an offence.

I hope this helps.

It might have done if it was correct.

It might be more help if you told the Op what the correct course of action/answer is?

[SS2.]

The Mad Monk said:

SS2. said:

The Mad Monk said:

Alpha32 said:

Hello,

She can't drive, no license i'm the main driver so what happens if say i'm caught speeding (unlikely, cruise control, speed limiter) how does that work if shes the owner and keeper? As you can tell, i've never done this before and laws change at the drop of a hat

Any help would be greatly appreciated

Kind Regards

First things first.

None of us have a license, so try not to worry about it.

DVLA will send a notice to the registered keeper. The registered keeper must inform DVLA who the driver was at the time of the alleged offence. If the keeper doesn't comply, that is an offence.

I hope this helps.

It might have done if it was correct.

It might be more help if you told the Op what the correct course of action/answer is?

First reply in this thread ?

[silverfoxcc]

It can get messy

The driver..the person who is driving

The keeper the person who is in temp charge of the vehicle on that day ie Your car is lent to me (keeper) another person drives

The registered keeper.....the person whose name appears on the V5 not necessarily the owner

The owner The person who has title to the car and can legally sell it ( finance company)

[martinbiz]

The Dvla won’t be asking for any details, the police might though.....

[The Mad Monk]

SS2. said:

First reply in this thread ?

Ah!

The master of the one line response?

My answer is correct.

The DVLA will contact the registered keeper. It is up to the RK to name the person who was driving at the time.

[SS2.]

The Mad Monk said:

SS2. said:

First reply in this thread ?

Ah!

The master of the one line response?

My answer is correct.

The DVLA will contact the registered keeper. It is up to the RK to name the person who was driving at the time.

Oh my