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

[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