Registered owner query ...

Discussion in 'Motorhome Insurance General Discussion' started by The Happy Couple, Sep 1, 2015.

  1. The Happy Couple

    The Happy Couple Funster

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    Evening All!
    Can anyone help with whether the registered owner not being the main insured driver might invalidate any future insurance claims?
    I'm the registered keeper of our MoHo at my address and am a named driver on other half's insurance policy that covers his car and our MoHo and who lives at his own address (0.01% of the time!).
    Any thoughts or previous experience would be much appreciated :) x
     
  2. pappajohn

    pappajohn Funster Life Member

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    As the registered keeper the onus is on you to insure the van.....even if you are named as an additional driver on your other halfs insurance.
    I dont understand how other half can insure it anyway....only the registered keeper can get insurance.....its one of the first questions on a proposal form.

    Thats my interpretation only and not neccessarily the law.
     
  3. Baycott

    Baycott Funster

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    If I remember correctly, when applying for insurance, one of the questions asked is "are you the registered keeper" and as long As this was answered honestly there should be no problem. If it was not then you may not be insured.
    Not an expert..........just my opinion.
     
  4. Barclaybasher

    Barclaybasher Funster

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    To be sure you should ask the insurance company that covers the MoHo

    No point in paying for cover that may not be valid

    You don't need insurance to tax a vehicle anymore
     
  5. vwalan

    vwalan Funster

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    the registered keeper isnt necessarily the owner
    op says registered owner . getting mixed up there.
    usually the finance company own cars not the keepers . for months anyway.
     
  6. pappajohn

    pappajohn Funster Life Member

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    Yes you do.....the insurance is checked electronically on the MID database by DVLA/S....as is the mot.
     
  7. Barclaybasher

    Barclaybasher Funster

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    Not anymore

    (y)

     
  8. vwalan

    vwalan Funster

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    so do mot exempt vehicle owners still have to fill in a v112 0r a v112g form then . ?
    be interesting soon my tax will be due.
     
  9. Lenny HB

    Lenny HB Funster

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    No problem with you being a named driver, but if you are the main driver the insured must inform the insurance company.
     
  10. The Happy Couple

    The Happy Couple Funster

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    Mmmmm? We didn't think of any consequence at the time when we were asked by the dealer as to whose name would be on the V5. Looks like we might have to register another change of keeper to put it in hubby's name just in case.
    Will let you know how we get on.
    Thanks for your input :) x
     
  11. TheBig1

    TheBig1 Funster Life Member

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    shouldnt be a problem other than you dont benefit from your no claims discount. There are also special rules for spouse or partner of the main driver/insured

    be very careful of adding a motorhome to a multicar policy though as it will be limited cover not designed for motorhomes
     
  12. pappajohn

    pappajohn Funster Life Member

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    I assume you have Documented proof of your statement......as i disagree.

    If a vehicle isnt insured it MUST be declared SORN as there is no valid tax on the vehicle.
    It doesnt have to be taxed to be insure but it has to be insured to be taxed.
     
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  13. Barclaybasher

    Barclaybasher Funster

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    You now don't need proof of insurance to tax a vehicle
     
  14. The Happy Couple

    The Happy Couple Funster

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    Thanks lennyhb - I can very easily arrange not to be the main driver :0
     
  15. lorger

    lorger Funster

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    We have our daughter as the main driver of Lorraine's car, she just past her test this year and will get her some NCD. We told the insurance company upfront that Sophie would be the main driver which she is and this was fine.
     
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  16. pappajohn

    pappajohn Funster Life Member

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    That isnt documented proof ! ?....thats you stating what you believe.
    Can you point me to an official website which confirms what you say ???

    ....insurance and MOT are checked electronically by DVLA on the motor insurance bureau (MIB) database for insurance and the .gov database for MOT validity..... you still need insurance to tax a vehicle.
     
  17. TheBig1

    TheBig1 Funster Life Member

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    you no longer need a printed certificate of insurance to tax a vehicle, but it does need to be on the database as insured as it is checked.
     
  18. pappajohn

    pappajohn Funster Life Member

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    Thank you......put that way its easier to understand what i meant.

    I dont even have a printed certificate, mine is downloadable to print if i want one but theres no point, its all on the database which is what is checked by police and .gov
     
  19. Barclaybasher

    Barclaybasher Funster

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    Contents
    4
    Executive summary
    1.
    There will no longer be a legal requirement for motorists to produce
    evidence of valid insurance when they tax a vehicle
    . However, they
    will still need to be insured against their liability for injuries to others
    (including passengers) and for damage to other people’s property resulting
    from use of a vehicle on a road. Motorists will still be responsible for
    ensuring that they have an adequate policy in place before they use or
    keep a vehicle on the public road
     
  20. treetops1

    treetops1 Funster

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    I am pretty sure your insurance in now checked on data base so no paperwork certificate is needed .
     

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