Insuring a car when not the registered keeper
Discussion
My friend and biz partner has moved to China for a few years so I'm looking after his car.
The V5 shows his previous UK address.
My insurer (Chris Knott) said they wouldn't insure me as I'm not the Registered Keeper.
Not really sure what to do, the China thing complicated matters. I may end up having to send off the V5 and register as the keeper.
The V5 shows his previous UK address.
My insurer (Chris Knott) said they wouldn't insure me as I'm not the Registered Keeper.
Not really sure what to do, the China thing complicated matters. I may end up having to send off the V5 and register as the keeper.
CK don't insure anything. They are an intermediary (the FCA's catchy name for a broker). Ask them the following questions.
- Do you only have firms which impose such restrictions on your panel of preferred insurers?
- If not, why can't you get me a quote from one which doesn't?
If the answer to the first one is yes then you will have to take your custom elsewhere.
If it is no, then do likewise if you don't get a satisfactory answer to the second one.
You are not tied to CK. It's a competitive free market.
- Do you only have firms which impose such restrictions on your panel of preferred insurers?
- If not, why can't you get me a quote from one which doesn't?
If the answer to the first one is yes then you will have to take your custom elsewhere.
If it is no, then do likewise if you don't get a satisfactory answer to the second one.
You are not tied to CK. It's a competitive free market.
hiscocks said:
My friend and biz partner has moved to China for a few years so I'm looking after his car.
The V5 shows his previous UK address.
My insurer (Chris Knott) said they wouldn't insure me as I'm not the Registered Keeper.
Not really sure what to do, the China thing complicated matters. I may end up having to send off the V5 and register as the keeper.
Judging by that, you are the registered keeper, which is not the same thing as the owner.The V5 shows his previous UK address.
My insurer (Chris Knott) said they wouldn't insure me as I'm not the Registered Keeper.
Not really sure what to do, the China thing complicated matters. I may end up having to send off the V5 and register as the keeper.
4x4Tyke said:
hiscocks said:
My friend and biz partner has moved to China for a few years so I'm looking after his car.
The V5 shows his previous UK address.
My insurer (Chris Knott) said they wouldn't insure me as I'm not the Registered Keeper.
Not really sure what to do, the China thing complicated matters. I may end up having to send off the V5 and register as the keeper.
Judging by that, you are the registered keeper, which is not the same thing as the owner.The V5 shows his previous UK address.
My insurer (Chris Knott) said they wouldn't insure me as I'm not the Registered Keeper.
Not really sure what to do, the China thing complicated matters. I may end up having to send off the V5 and register as the keeper.
As to insuring other cars, I own, and am the RK for a car which is insured by both my partner and my son on their own separate policies.
Both of those policies have the situation detailed as I've described it. My partners policy says they are neither the RK or the owner, and my sons learner policy was taken out with the first policy disclosed (it might even have been a requirement)
I insured my fiancee's car as she is unable to drive it at the moment (DVLA medical stuff). I called the insurer, explained the situation (I am not the RK or the owner, but I live with her) and they said fine, we'll put you as the main driver until she gets her licence back.
Seemed like an easy and straightforward process to me.
Seemed like an easy and straightforward process to me.
HotJambalaya said:
very timely thread this. I'm getting my old Pulsar GtiR on the road again now, and just realised that my dad is the owner of it. I'm obviously the keeper, but what do I have to do to become the "registered" keeper? whats the difference?
A contradiction in terms right there. Is it yours or his?The RK is whoever's name is on the V5C*. That is the person who normally has effective day-to-day custody and control of the vehicle. He/she is responsible for taxing the car and ensuring it has a current MOT Certificate. He/she will also be the recipient of any S.172 notices/postal NoIPs and parking/bus lane penalty notices.
* That document does not confer legal ownership. Only an invoice/bill of sale will do that.
That you are even asking this question suggests you may be a young(ish) driver possibly still residing with your parents. I hope your father won't be 'helping' you by insuring it. Is the AMG really yours or does he own that too?
Funny.
The full story is that I got it 17 years ago, at the age of 20, and stuck it in my dads name for cheaper insurance (though to be fair he occasionally used it since he went a little while without a car). It was one of those deals where I saved up from summer jobs birthdays etc and he matched whatever I put in. Its been laid up for the last 7 years, so I've finally decided to get it going again.
Right, that out of the way, I see from your post that actually the V5 is for the registered keeper, not ownership, which was backwards to the way I was thinking it. Which means that he is the RK of the car. Given that he doesn't drive any more that could be a small problem in getting it insured by me.
Don't worry, the C63 is all as it should be.
The full story is that I got it 17 years ago, at the age of 20, and stuck it in my dads name for cheaper insurance (though to be fair he occasionally used it since he went a little while without a car). It was one of those deals where I saved up from summer jobs birthdays etc and he matched whatever I put in. Its been laid up for the last 7 years, so I've finally decided to get it going again.
Right, that out of the way, I see from your post that actually the V5 is for the registered keeper, not ownership, which was backwards to the way I was thinking it. Which means that he is the RK of the car. Given that he doesn't drive any more that could be a small problem in getting it insured by me.
Don't worry, the C63 is all as it should be.
TwigtheWonderkid said:
Ahh, insurance fraud. OK, moving swiftly on.
No no, lets slow up for a second; clearly you were a paragon of virtue when you were younger, a veritable altar boy of life. One hopes that for the rest of my days I will manage to live up to your magisterial standards, never putting a foot wrong, because the blessed wonder kid was and always has been such a saint 
right then, now, moving swiftly on.
HotJambalaya said:
TwigtheWonderkid said:
Ahh, insurance fraud. OK, moving swiftly on.
No no, lets slow up for a second; clearly you were a paragon of virtue when you were younger, a veritable altar boy of life. One hopes that for the rest of my days I will manage to live up to your magisterial standards, never putting a foot wrong, because the blessed wonder kid was and always has been such a saint right then, now, moving swiftly on.
HotJambalaya said:
TwigtheWonderkid said:
Well I never committed insurance fraud, if that's what you're asking.
Not even close. Now go away little troll, get your homework done before half term finishes. The brief amusement that your pompous indignation has caused is now over. As are we. HotJambalaya said:
TwigtheWonderkid said:
Well I never committed insurance fraud, if that's what you're asking.
Not even close. HotJambalaya said:
The full story is that I got it 17 years ago, at the age of 20, and stuck it in my dads name for cheaper insurance
Are you sure I was not even close?Red Devil said:
CK don't insure anything. They are an intermediary (the FCA's catchy name for a broker). Ask them the following questions.
- Do you only have firms which impose such restrictions on your panel of preferred insurers?
- If not, why can't you get me a quote from one which doesn't?
If the answer to the first one is yes then you will have to take your custom elsewhere.
If it is no, then do likewise if you don't get a satisfactory answer to the second one.
You are not tied to CK. It's a competitive free market.
Thanks yeah I was renewing my normal insurance on my car at the time so asked them.- Do you only have firms which impose such restrictions on your panel of preferred insurers?
- If not, why can't you get me a quote from one which doesn't?
If the answer to the first one is yes then you will have to take your custom elsewhere.
If it is no, then do likewise if you don't get a satisfactory answer to the second one.
You are not tied to CK. It's a competitive free market.
Got some quotes from comparethemarket with my friend as the registered keeper and it was double the cost if I was the keeper.
Hopefully he'll allow me to change it!
HotJambalaya said:
TwigtheWonderkid said:
Well I never committed insurance fraud, if that's what you're asking.
Not even close. Now go away little troll, get your homework done before half term finishes. The brief amusement that your pompous indignation has caused is now over. As are we. swerni said:
Did the term "fronting" even exist 17 years ago?
Borderline but I don't think it did. I know that my policies around that time never asked who the "main" driver was out of those named - you were either on the policy or not. Then again, not that much further back I had a non-trade policy that was for "any car owned..." and "any driver with permission". Times change and people forget
Whilst I have no idea why some seek to disparage just about anyone on here, and whether or not someone took advantage of some rules in his teenage years, let's get something straight. The insurers want the person with majority access to a vehicle to be the main, or first named, insured, as that's the details upon which the risk is assessed. They actually don't need it to be the owner or registered keeper, some do charge higher premiums for the perceived risk of such arrangements of course. Therefore, yes, if a youngster has a car, but it is insured by mum or dad first, technically it is fronting if mum or dad are not the main driver. It must also be kept at the address of the main driver, or can be kept at a proxy address but if this is the case, again, the risk is assessed using those details (Ie, if you haven't got a garage, but state you are using one to reduce premiums, good luck trying to make a claim if an adjuster comes out, because the lack of garage would invalidate the claim.
However, whether that was the case years ago for this chap is irrelevant, who cares?, self righteous, holier than though comments will come back one day to bite you on the ass.
However, whether that was the case years ago for this chap is irrelevant, who cares?, self righteous, holier than though comments will come back one day to bite you on the ass.
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