registered keeper

[5doornovaboy]

does any1 know if the policyholder has to be the registered keepr in the case of insurance as i can get insured on a gsi if i am a named driver with directline if you can what companies

[raymond]

they do ask if you are going to be the registered keeper of the vehicle but mine is in my gf name and has been since i bought the car of her and had no problems

the only issue being when i tax the car i have to use the ittle green slip of the log book and keep rubbing the date out each year

[dave.gsi]

everytime i've taken out insurance they have always asked 'are you the registered keeper'...........i've always said yes because i have been. i have'nt got a clue what would happen if you said no:tard:

there is a couple of things you should bear in mind though...................

you want a gsi but can only afford to be a named driver? you could buy it and put your mum as the registered keeper, she could insure it and you could be a named driver.

however, if you are proved to drive it more than your mum does the insurance becomes invalid, i think its called 'fronting'. that said though thousands of people do it and get away with it.

i never did, i waited till i could afford to do it properly and 100% legal.

choice is yours though

[5doornovaboy]

what company is that

[Ste L]

they do ask if you are going to be the registered keeper of the vehicle but mine is in my gf name and has been since i bought the car of her and had no problems

the only issue being when i tax the car i have to use the ittle green slip of the log book and keep rubbing the date out each year

why use the log book, when you can just use the tax renewal?
that's what i do, as the corsa is in the misus' name lol

also it should matter who's name's is on the v5, as long as the car is mot'd and insured it doesn't matter who own's it to get it taxed

[Stuart]

I used to get sent to the post office when i was 15 to buy the car tax for my mum and dads car lol

[Prey]

I dont think you have to be the registered keeper to insure as I have done this before (was a few years ago tho so dont quote me) but they will ask you why your insuring if its not yours etc etc. I think that was with CIS at the time.

[raymond]

why use the log book, when you can just use the tax renewal?
that's what i do, as the corsa is in the misus' name lol

also it should matter who's name's is on the v5, as long as the car is mot'd and insured it doesn't matter who own's it to get it taxed

i thought the name on the insurance certificate had to match the name on the log book to tax the car if this aint true ill just use the tax renewal in future :thumb:

although i did tell my insurance company the car was in my name so it could be classed as being void i suppose if they wantedto be funny

[Jack]

Some insurance companies say the proposer/primary user must be the registered owner, some say otherwise. As per usual, best option is to ring up and check a few companies?

[ade]

the company I work for always as if youre the registerred owner and keeper. unless youre married most mainstream insurers arent that keen.

the main reason being the known case of "fronting" where a younger driver is named on a car (usually too expensive for them to insure themselves) with one of their relatives (usually mom or dad) as main owner and policy holder but the younger additional driver is the main driver of the car.

There's also a term known as "insurable interest" - if youre the main driver but dont own the car youre less likely to take care of it (eg hire cars). This doesnt usually apply to married couples though as "joint and several liability" kicks in - eg whats mine is yours...

Some insurers like direct line may let you drive on the policy and they may also say that you'll earn your no claims bonus but be warned - this so called earned bonus is only usually available with them. if you try and move to another insurer either they wont let you take it or the other insurer wont accept it because it wasnt technically earned in your name.

My advice - get your own insurance and pay the premium - then you can earn your own No Claims discount (NCD). The longer youre on someone elses policy the longer it will take you the build it up.

EDIT : most insurers will void a policy if you do not declare you are the main driver (eg try and do fronting) and you'll get your a$$ kicked by the police because voided policies (and cancelled polcies in general) are updated to the MID (motor Insurance Database) which is accessibel by the Police - they get access to it and can pull you...or go looking for you! If youre involved in a smash youve had it.

On the flip side though most insurers are savvy to this and will charge extra or slap a HUGE driver specific excess on the policy for young drivers...