How old do you have to be to legally own a car?

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What it said in the title. What is the minimum age to legally and officially purchase (not drive) a car?

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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?

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Opulent said:

Could you "lie" to the insurance company )

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.

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My dad bought me my car for my birthday 2 years ago. I suppose this means absolutely nothing, though, if I'm not the legal owner.

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MartyPubes said:

How are you not the legal owner? Maybe your Dad gifted you the car as another poster has suggested. If your name is on the V5 then I wouldn't worry about it.

OK here's how it went.

He bought the car and his name is on the V5. He bought it for me as a birthday present, and I put £300 toward the purchase. This was 2 years ago. Does this count as me having owned it for 2 years, gift or otherwise, or do I have to "buy" it off him?