Driving but not registered owner or keeper
Discussion
My insurers ask who is the registered keeper and when I insured myself on my brothers car the only thing I lost was the ability to drive other cars (third party cover)
It doesn't matter who is RK from a speeding point of view - Limited companies can be a RK of a car and the car could be driven by 10 different people a week.
It doesn't matter who is RK from a speeding point of view - Limited companies can be a RK of a car and the car could be driven by 10 different people a week.
SS2. said:
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.
Of course, I meant to say the authorities, not the DVLA.
Anyone can make a mistake?
Graveworm said:
As above it's a principal that you can't insure something that you don't have an insurable insurance in.
They want to know if it’s a finance company so they don’t send you the payout if it’s written off.I’m owner and RK of the car my wife uses. She is policyholder. She does get DOC cover - that’s the reason I did it like that.
Sheepshanks said:
They want to know if it’s a finance company so they don’t send you the payout if it’s written off.
I’m owner and RK of the car my wife uses. She is policyholder. She does get DOC cover - that’s the reason I did it like that.
If you were not married then she can have an insurance policy, for third party damage and any damage to your car for which she is legally liable. Otherwise than that there would be no fire and theft cover to that car unless you took it out. I’m owner and RK of the car my wife uses. She is policyholder. She does get DOC cover - that’s the reason I did it like that.
https://www.abi.org.uk/data-and-resources/tools-an...
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.
I don't find it that weird tbh. Last few times I got a car on sinance it was my other half who applied for and got the credit. She had no driving licence at the time.
The last time was aprox 7 years ago but I assume its not a uncommon thing.
OP, you’re over thinking this.
Step 1.
Tell your insurer the owner is the finance company.
Step 2.
Tell your insurer the registered keeper is your mother.
Step 3.
Enjoy the car.
Bonus step.
Don’t get caught speeding or committing any other road traffic offence. If you do, your mother will receive a letter and she’ll know you’ve been a naughty boy. Providing she has some level of common sense, she will identify you and you will then be contacted directly by the authorities.
Step 1.
Tell your insurer the owner is the finance company.
Step 2.
Tell your insurer the registered keeper is your mother.
Step 3.
Enjoy the car.
Bonus step.
Don’t get caught speeding or committing any other road traffic offence. If you do, your mother will receive a letter and she’ll know you’ve been a naughty boy. Providing she has some level of common sense, she will identify you and you will then be contacted directly by the authorities.
roadsmash said:
OP, you’re over thinking this.
Step 1.
Tell your insurer the owner is the finance company.
Step 2.
Tell your insurer the registered keeper is your mother.
Step 3.
Enjoy the car.
Bonus step.
Don’t get caught speeding or committing any other road traffic offence. If you do, your mother will receive a letter and she’ll know you’ve been a naughty boy. Providing she has some level of common sense, she will identify you and you will then be contacted directly by the authorities.
If the OP is not the owner or keeper and insures the car - they could take out insurance for when they are driving it. Step 1.
Tell your insurer the owner is the finance company.
Step 2.
Tell your insurer the registered keeper is your mother.
Step 3.
Enjoy the car.
Bonus step.
Don’t get caught speeding or committing any other road traffic offence. If you do, your mother will receive a letter and she’ll know you’ve been a naughty boy. Providing she has some level of common sense, she will identify you and you will then be contacted directly by the authorities.
If it's parked and gets stolen or damaged the OP's insurance company will have no need to pay out, as the OP hasn't suffered a financial loss his mother has, because she is the one who has the contract with the finance company.
Graveworm said:
roadsmash said:
OP, you’re over thinking this.
Step 1.
Tell your insurer the owner is the finance company.
Step 2.
Tell your insurer the registered keeper is your mother.
Step 3.
Enjoy the car.
Bonus step.
Don’t get caught speeding or committing any other road traffic offence. If you do, your mother will receive a letter and she’ll know you’ve been a naughty boy. Providing she has some level of common sense, she will identify you and you will then be contacted directly by the authorities.
If the OP is not the owner or keeper and insures the car - they could take out insurance for when they are driving it. Step 1.
Tell your insurer the owner is the finance company.
Step 2.
Tell your insurer the registered keeper is your mother.
Step 3.
Enjoy the car.
Bonus step.
Don’t get caught speeding or committing any other road traffic offence. If you do, your mother will receive a letter and she’ll know you’ve been a naughty boy. Providing she has some level of common sense, she will identify you and you will then be contacted directly by the authorities.
If it's parked and gets stolen or damaged the OP's insurance company will have no need to pay out, as the OP hasn't suffered a financial loss his mother has, because she is the one who has the contract with the finance company.
The OP asked two questions:
Alpha32 said:
what happens if say i'm caught speeding (unlikely, cruise control, speed limiter) how does that work if shes the owner and keeper?
OP’s mother gets the offence details through the post and nominates who was driving, who will then be contacted directly.Alpha32 said:
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?
In the OP’s case no, because the RK is his parent; which tends to be generally accepted by many insurance companies.There’s really nothing more to say on the matter.
roadsmash said:
Graveworm said:
If the OP is not the owner or keeper and insures the car - they could take out insurance for when they are driving it.
If it's parked and gets stolen or damaged the OP's insurance company will have no need to pay out, as the OP hasn't suffered a financial loss his mother has, because she is the one who has the contract with the finance company.
Yep, but in my opinion you’re unnecessarily over complicating things, that isn’t what the OP asked.If it's parked and gets stolen or damaged the OP's insurance company will have no need to pay out, as the OP hasn't suffered a financial loss his mother has, because she is the one who has the contract with the finance company.
Alpha32 said:
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?
In the OP’s case no, because the RK is his parent; which tends to be generally accepted by many insurance companies.There’s really nothing more to say on the matter.
ValleyRed said:
Insurance companies also ask "how long have you held a licence for". If Mum hasn't got a licence will they still insure her?
Not sure of your point here 
OP’s Mum isn’t on the insurance and isn’t the insurance policyholder (one presumes) because she hasn’t got a license. She’s only involved because OP couldn’t get finance in his name.Basically she is the guarantor for the debt, and that’s it. Issues relevant to who can drive the car etc are purely an insurance matter and nothing to do with the finance.
OP can’t “change the RK” because the finance company are the RK and own the car until such time as it’s paid for (if that’s an option). The RK is also irrelevant to the insurance.
People are confusing themselves over this I think.
Edited by Durzel on Monday 24th February 07:35
Alpha32 said:
...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...
Durzel said:
...OP can’t “change the RK” because the finance company are the RK...
People are confusing themselves over this I think.
Errr.....People are confusing themselves over this I think.
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