How old do you have to be to legally own a car?
Discussion
Risotto said:
Why would there be a minimum age?
I wondered this with regard to the slated law change about making registered keepers liable for parking fines.Except, iirc, 'children' can't enter into contracts....so not sure how that one would pan out.
Also not sure it was ever answered. Apologies if it was I didn't spot it
Edited by roachcoach on Monday 19th September 16:23
This is a problem as I have discovered how long you have owned a car has a gigantic effect on insurance premiums. Problem being that I'm not the legal owner of my car - my dad is. Which means if we transferred ownership the clock resets at 0 and I'm paying 3500 instead of 1500. Kind of upsetting to know I could have gotten round this with forward planning.
Now the only option is being a named driver on my dad's policy. Obviously I will be the one who crashes, not him, if a crash occurs. He'll be doing more driving than me, but is there actually any way to prove this once the insurers start accusing me of fronting?
Now the only option is being a named driver on my dad's policy. Obviously I will be the one who crashes, not him, if a crash occurs. He'll be doing more driving than me, but is there actually any way to prove this once the insurers start accusing me of fronting?
Raize said:
This is a problem as I have discovered how long you have owned a car has a gigantic effect on insurance premiums. Problem being that I'm not the legal owner of my car - my dad is. Which means if we transferred ownership the clock resets at 0 and I'm paying 3500 instead of 1500. Kind of upsetting to know I could have gotten round this with forward planning.
Now the only option is being a named driver on my dad's policy. Obviously I will be the one who crashes, not him, if a crash occurs. He'll be doing more driving than me, but is there actually any way to prove this once the insurers start accusing me of fronting?
Could you "lie" to the insurance company and tell them it's your car and you've had it for x years? I assume you and your father live at the same address? Tell them the DVLA got it wrong and put the wrong initial on the logbook?Now the only option is being a named driver on my dad's policy. Obviously I will be the one who crashes, not him, if a crash occurs. He'll be doing more driving than me, but is there actually any way to prove this once the insurers start accusing me of fronting?
(I know lieing isn't the best way forward but it's within the household, it is the littlest of little white lies)
Raize said:
NO NO NO NO NO
I will NOT pay thousands of pounds for a service only to be denied that service when they take me to court for fraud! Squeaky clean or not at all.
If it's squeaky clean you're looking for, then I don't think there is a way around it. I will NOT pay thousands of pounds for a service only to be denied that service when they take me to court for fraud! Squeaky clean or not at all.
It does seem to make a huge difference to my quotes though. I think it's based on the idea that if you've owned a car for longer, you're more experienced with driving that car, and so less likely to crash.
They don't take into account previous cars though. I've owned quite a few powerful cars in the past, without having crashed one, and I think that should count for something...
dp gumby said:
what would actually happen if the car was registered in a child's name and both the husband and wife denied being the owner?
As it says on the V5C: "THIS DOCUMENT IS NOT PROOF OF OWNERSHIP. It shows who is responsible for registering and taxing the vehicle" and also "This document is not proof of ownership".(DVLA's capitalisation, not mine)
The legal owner is the person who paid for it.
Gassing Station | General Gassing | Top of Page | What's New | My Stuff