Having a renewal Insurance problem (1 Viewer)

[irnbru]

When mum bought the motorhome it was registered in her name but at my address as that is where it is kept.
Last year it came to light that she doesn't have her C1 to drive the vehicle so has gifted it to me

I don't want to change the vehicle log book as that adds another change of keeper for when I go to sell it.

I am sure I explained this to Comfort last year and it was ok but now on renewal it appears not to be ok.

Now technically speaking Comfort have never asked for proof of C1 entitlement so really I could have had mum insure it in her name with me a named driver. She would never have a claim made in her name as she would never be driving it but being honest I explained the above.

Honesty is the best policy. ..hmm doesn't appear like that to me.

Now I need to start ringing round other companies.

Anyone have any similar experiences ?

 

[rb62]

Just found this:-
The policy holder is the main driver of the vehicle and is the person who will be using the car more often. ... The registered keeper is the person whose name appears on Section 5 of the Registration Certificate of the vehicle(also called the log book, V5C). ...

 

[irnbru]

I know Richard but Comfort are having none of it. I'm waiting on a manager returning my call.

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[rb62]

must have got the office junior!

 

[Gellyneck]

From memory, Sandra.
You could have mum as the registered keeper and yourself as the main driver.
So it's insured in your name but "owned" by mum. Or something like that!

Oooops sorry, crossed with previous!

 

[Badknee]

From memory, Sandra.
You could have mum as the registered keeper and yourself as the main driver.
So it's insured in your name but "owned" by mum. Or something like that!

Oooops sorry, crossed with previous!

This is the way most company policies run isn't it? My works van had me as the main driver but any company employee was allowed to drive it with permission.

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[Gellyneck]

Got it the wrong way round!
You should be the registered keeper and main driver but mum can be the physical owner.
Sorry.

 

[Derbyshire wanderer]

I have had a similar issue before as the wife's car was in my name but as the main driver she was the policy holder.
The nearest I got to the explanation was that in the event of a total loss they would want to pay the keeper as in their view it was the owner.
The DVLA or whatever name they have this week says that the keeper is not neseserraly the owner so you cannot win.
I ended up being the policy holder but had it in writing that the wife was the main driver.

BTW as my old mate told me years ago
The ONLY thing that is guaranteed in an insurance policy is an argument in the event of a claim.

 

[rb62]

The nearest I got to the explanation was that in the event of a total loss they would want to pay the keeper as in their view it was the owner..

Try telling the High Court Enforcement Officers that ! anyone who watches Call the Sherrifs or Can't pay we'll take it away will know that the registered keeper is not necesserily the owner!

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[Derbyshire wanderer]

Try telling the High Court Enforcement Officers that ! anyone who watches Call the Sherrifs or Can't pay we'll take it away will know that the registered keeper is not necesserily the owner!

Did you not notice the words 'in their view'?
Personally I think the insurance industry as a whole is not worth a light hence why I only insure the house and anything else that the law says I have to.

 

[andy63]

The registered keeper doesn't have to be the owner...
BUT The registered keeper'' should'' be the person who is actually using/keeping the vehicle... and by infrence the person you would expect to be insured for the vehicle..
Doesn't actually say HAS to be so I'm not clear on that..
Andy

 

[jnn]

According to the DVLA blurby wotsit you should be the registered keeper too - the main person who uses it and has responsibility for it. That might solve the issue if you just change it with the DVLA.

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[Abacist]

The facts as I see them are:-
There has been a change of ownership, main driver, policyholder and you want to deceive the prospective purchaser of your motorhome in due course by not changing the registered keeper!
If it was me I'd change the registered keeper and explain it to any buyer as I've done when my wife and I have changed cars.
The registered keeper is where they go to inform relatives about accidents etc or perhaps to issue speeding tickets etc. Not really fair if this is in Mum's name either even if at your address when she's given it to you.
If honesty is the best policy it seems a bit rich in these circumstances.

 

[irnbru]

The facts as I see them are:-
There has been a change of ownership, main driver, policyholder and you want to deceive the prospective purchaser of your motorhome in due course by not changing the registered keeper!
If it was me I'd change the registered keeper and explain it to any buyer as I've done when my wife and I have changed cars.
The registered keeper is where they go to inform relatives about accidents etc or perhaps to issue speeding tickets etc. Not really fair if this is in Mum's name either even if at your address when she's given it to you.
If honesty is the best policy it seems a bit rich in these circumstances.

You sound like Mr goodie 2 shoes.

Not a big deal if a speeding ticket of whatever comes through.

 

[TJBi]

You sound like Mr goodie 2 shoes.

Not a big deal if a speeding ticket of whatever comes through.

It sounds as if Abacist is being honest, unlike some (one).

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[TheBig1]

there are millions of leased cars on the road all insured in the name of the driver but not owned by them

 

[Lenny HB]

You used to be able to do it but insurance companies no longer do it for privately owned vehicles. Son in law had same problem when a friend let him have his van for a year, he ended up registering it in his name then re- registering back to original owner when he finished with it.

I don't see the problem or registering it in your name it won't effect resale value if that's what you are worrying about, or is there another reason?

 

[jnn]

there are millions of leased cars on the road all insured in the name of the driver but not owned by them

The lease cars I've had did though have the correct registered keeper (ie me) on their log book. the V5 said Lease company c/o me at my address

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[EX51SSS]

In the bigger picture, is another registered keeper on the log book going to make that much more significant? It will also say the previous keeper and that'll be your mum.
Once it's gone past new and say one previous, I personally wouldn't beat down the price because there'd be 4 owners and not 3.

 

[44658]

Another way to look at irrespective, what who says to whom and what the DVLA and Insurance companies want is; and this really is about making that once in a life time claim. Your next door neighbour whose very rich has an engagement ring valued at £50,000. You say I'll insure that and maybe she will lose it or there will be a burglary, then I make a claim.
I don't think so, it is against the law to insure someone else's properrty, including their life.
Mum is the owner, you insure it, as what, not the registered keeper, but then make a claim. mmm. The value of the property and the cost of the insurance, do you really want to test the water when the time comes. Hassle, grief, phone calls, writing, written , claim counter claim.
Your choice, for me no brainer, straight is straight, do it proper and sleep at night.
Ian
p.s. Good luck, no pun intended

 

[44658]

Before I get a flood of what if's. Leasing and hiring and driving the firms etc have huge contracts and get me out of jail card clauses, sign 3 times for this and that, just done it at Malaga Airport yesterday, wouldn't accept the 3rd party year policy done on line. ' We don't accept that, you haven't insured with us so we are taking 900 euro in case you scratch the bumper".
Insurance is the minefield that is only just smaller than buying a house.
Rant over, settling down for a Rum and Coke as in RA didn't get to fit the C in avatar.

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[sweetie]

Of the three motorhome I have sold or part exchanged through a dealer none have asked how many previous owners. Only mileage.

 

[TheBig1]

Of the three motorhome I have sold or part exchanged through a dealer none have asked how many previous owners. Only mileage.

such details are a matter of public record along with servicing history. all available with a few seconds on a computer whilst calculating the price they offer you

 

[2657]

Before I get a flood of what if's. Leasing and hiring and driving the firms etc have huge contracts and get me out of jail card clauses, sign 3 times for this and that, just done it at Malaga Airport yesterday, wouldn't accept the 3rd party year policy done on line. ' We don't accept that, you haven't insured with us so we are taking 900 euro in case you scratch the bumper".
Insurance is the minefield that is only just smaller than buying a house.
Rant over, settling down for a Rum and Coke as in RA didn't get to fit the C in avatar.

They always do, if you have a bump then it is up to you to claim off the annual excess insurance policy.

The only way that they do not hold a substantial amount is if you pay through the nose for the hire companies own excess waver, seems to be standard practice.

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[movan]

Did they phone you back Sandra?

 

[sweetie]

such details are a matter of public record along with servicing history. all available with a few seconds on a computer whilst calculating the price they offer you

Where would you find the public record of servicing history, other than the service records I hold?
My dealer gave the prices without going to any computer to check previous history

 

[Abacist]

The MOT is a matter of public record but other than that I doubt its "public". If you have a Merc and always had it serviced by Merc then a Merc dealer will be able to see it and likewise Fiat and other major manufacturers for their mark of chassis & cab only.

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[EX51SSS]

The MOT is a matter of public record but other than that I doubt its "public". If you have a Merc and always had it serviced by Merc then a Merc dealer will be able to see it and likewise Fiat and other major manufacturers for their mark of chassis & cab only.

That's the big IF though. For many years you didn't have to use the main dealer for servicing etc. I've never had my Seat or SWMBO'S Merc at main dealer so that wouldn't be there per se.

 

[Puddleduck]

Did you get it sorted Sandra? @irnbru

I think I would get the V5 altered, keep a copy of the previous one and also get your Mum to sign a statement that she had gifted Vanessa to you and why. That way you are in the clear and have the evidence to back up "previous owners" if you ever come to sell.

 

[irnbru]

Just changed it into my name @Puddleduck

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