registered keeper/policy holder

[cablefreejunkie]

morning dk
was wondering if somebody on here in the know could clarify for me whether or not an individual can take out an insurance policy(be the policy holder) on a vechicle without being the registered keeper(name on the v5)
my missus took out a policy on her daughters car,it was transferred into my missus name first as we thought she could not insure it without it being in her name,we then added my stepdaughter as a named driver,obviously it works out cheaper
anyway her father wants to purchase a brand new car off the forecourt for her but we are under the impression that the car will need to be in my missus name if we are to do the same thing with the insurance as we did with the old vechicle,ive looked on the tinternet but cant find a definitive answer,,all my mates have had there opinion but im still non the wiser,
cheers

[tshirtman]

as far as I know you can insure a car registered to someone else, but not all insurance companies will do so, so you would have to shop around, there is the question when taking out a policy, "are you the registered keeper", I'm sure the insurance company will want to contact the keeper to ensure you have permission to drive the car,
although things like car tax reminders, speeding fines, will get sent to the registered keeper, and you cant tax the vehicle on line or over the phone as the insurer and registered keeper would be different,
but be careful, because what you are doing is known as "car insurance fronting", it's highly frowned upon, and if your daughter has an accident it's possible the insurance company could declare the policy void, and she could be prosecuted for driving with no insurance

[nara]

morning dk
was wondering if somebody on here in the know could clarify for me whether or not an individual can take out an insurance policy(be the policy holder) on a vechicle without being the registered keeper(name on the v5)

Yes, one of our cars has my wife as the registered keeper but I am the policy holder. We're both named drivers.

Depends on the insurance company, as tshirtman says.

[chucklor]

Some insurance companies will void your insurance if the reistered keeper is not the policy holder, so make sure you confirm it with them, I am with Direct Line and I had to confirm why my missus was the registered keeper but I was the policy holder, even though she is the main driver, I personally think a chimp could have worked out the reason that it was cheaper in my name, also you can tell them the reason for two different names is that the main driver is not necessarily the owner as they did not purchase the car, you have to realise that these operatives are not the sharpest pencils in the box, any probs just ask to speak to a supervisor, they can usually sort it out quickly...chuck

[Grizz]

Couple of years ago i was buying a vehicle, i phoned company to make sure i was insured to drive it home. they said i was insured on his van until the moment i signed the transfer form and it became mine. then i was uninsured until i phoned them and transfered it. f()ckin insurance companies. alway check first.

[wongers]

i've always had my cars in my wifes name as the registered keeper and me as the lead insured, as long as you have both names on the policy no problem

[cablefreejunkie]

i've always had my cars in my wifes name as the registered keeper and me as the lead insured, as long as you have both names on the policy no problem

having both names on the policy is fine but one has to be the policy holder and one a named driver,does the holder have to be the one with there name on the v5 ?

[oneman]

AFAIK you don't need to have the v5 holder on the policy.

BTW Cablefree, if your stepdauighter is the main driver and she is only a named driver, then what you are doing is called fronting and its illegal. The insurance companies have been cracking down on it and you could end up with invalid insurance in the event something happens.

[GastonJ]

I do recall though that you must be the owner of the vehicle (the registered keeper is not always the owner anyway) you can't insure a car that you don't own.. registration proves nothing. However oneman is right fronting is illegal. If you have more than one car try admiral, I did and my daughter has her policy tied to mine but she is accumulating her own NCB with me as a named driver.

Will work out cheaper in the long run.

[cablefreejunkie]

AFAIK you don't need to have the v5 holder on the policy.

BTW Cablefree, if your stepdauighter is the main driver and she is only a named driver, then what you are doing is called fronting and its illegal. The insurance companies have been cracking down on it and you could end up with invalid insurance in the event something happens.

so could a ,million or so other parents doing the same thing,,how on earth do they prove it ?

[Snowy79]

You don't have to be the owner to insure a vehicle as thousands of businesses just lease vehicles and are never the legal owners.

[wongers]

having both names on the policy is fine but one has to be the policy holder and one a named driver,does the holder have to be the one with there name on the v5 ?

no as long as you are both on the policy as named drivers it doesn't matter who is on the v5