Safe Speed Forums

New here, and have a question on insurance.

Why does it make such a big difference to insurance premiums if you are the registered keeper as opposed to if a relative or spouse is?

Also whats the issue if you say you are the registered owner on your insurance but your spouse/ family member is.

I mean I would assume it wasnt entirely legal but is it as illegal as not having insurance at all?

By misrepresenting the facts (aka "lying") on an insurance application you give the insurers the right not to meet any claims by you. So you are not actually insured. Of course the BIB database and your certificate will be enough to convince most policemen that you are insured.

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When I see an adult on a bicycle, I do not despair for the future of the human race. H.G. Wells
When I see a youth in a motor car I do d.c.brown

http://www.opsi.gov.uk/Acts/acts1988/uk ... 80052_en_2


Scroll down to S143. Check out my quicky quizes of around 2005 on the topic

This is the LAW and the quiz was designed to see if folk understood the Act.

http://www.carinsuranceexplained.com/ch ... tricks.htm

http://forums.moneysavingexpert.com/sho ... l?t=654359

Check out anna52 hmr - legal.


So long as your insurance company remains informed and you are named as the main driver - you are legal.

You have to shop around though as not all insurers will cover this.


http://uk.answers.yahoo.com/question/in ... 723AA2ugc4


Check out all these other links too.


http://www.moneysupermarket.com/communi ... 23201.aspx

http://www.fancyacar.co.uk/car-insuranc ... nce/10400/

http://www.seatcupra.net/forums/showthread.php?t=131394

http://www.consumeractiongroup.co.uk/fo ... -void.html





http://www.moneysupermarket.com/communi ... -4223.aspx

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Take with a chuckle or a grain of salt
Drive without COAST and it's all your own fault!

A SMILE is a curve that sets everything straight (P Diller).

A Smiley Per post
FINES USfor our COAST!

Approach love and cooking with reckless abandon - but driving with a smile and a COAST calm mind.

so, if my mate owns a car which is taxed, moted but not insured because it is just sitting on his drive while he drives another car. Can I as an insured driver for my car, legally borrow his uninsured car for a couple of months while mine is off road being worked on?

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My views do not represent Safespeed but those of a driver who has driven for 39 yrs, in all conditions, at all times of the day & night on every type of road and covered well over a million miles, so knows a bit about what makes for safety on the road,what is really dangerous and needs to be observed when driving and quite frankly, the speedo is way down on my list of things to observe to negotiate Britain's roads safely, but I don't expect some fool who sits behind a desk all day to appreciate that.

Read your policy to find out. Nobody here can advise you without seeing the policy.

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When I see an adult on a bicycle, I do not despair for the future of the human race. H.G. Wells
When I see a youth in a motor car I do d.c.brown

Cars are not insured, people are insured to drive cars, this is the primary problem with viewing ANPR as a panacea to all the problems on the road. Not sure where this debate is going at the moment to be honest.

N0

Small print on your policy may say you can drive your mate's car on third party cover - but will stipulate days. It may not cover you for 3 month usage as "main driver". You should take out a third party cover for that duration.

If your friend lets you use his car without checking you are insured to do so and finds you are not then he may also be liable as under s143 - as the offence is one of absolute liability.

If your pal lends you his car on the express condition that you are insured/check you are insured then he would not be guilty of an offence - but YOU would be if not insured.

Case law: Newbury v Davis 1974 rtr 367.

_________________
Take with a chuckle or a grain of salt
Drive without COAST and it's all your own fault!

A SMILE is a curve that sets everything straight (P Diller).

A Smiley Per post
FINES USfor our COAST!

Approach love and cooking with reckless abandon - but driving with a smile and a COAST calm mind.

So long story short. If you had said you was the registered keeper on your insurance and it turned out a parent or spouse was what would happen?

Would you get 6 points and the same as if you had no insurance at all?

[quote]by In Gear
graball wrote:so, if my mate owns a car which is taxed, moted but not insured because it is just sitting on his drive while he drives another car. Can I as an insured driver for my car, legally borrow his uninsured car for a couple of months while mine is off road being worked on?
N0

Small print on your policy may say you can drive your mate's car on third party cover - but will stipulate days. It may not cover you for 3 month usage as "main driver". You should take out a third party cover for that duration.[quote]


Thanks for the reply IG. Here's another "quickie" for you if you don't mind?

I travel say 50 miles to view second hand car with a mate. We go in my car (a) I buy car(b) and transfer reg docs at point of sale. I cannot drive car ( b) back because as the now owner/keeper, I have no insurance. My mate who has his own car and insurance drives my "new" car (b) back. WE get stopped by police for routine stop. How would it play out? Is my mate insured to drive my new car back to my place?

_________________
My views do not represent Safespeed but those of a driver who has driven for 39 yrs, in all conditions, at all times of the day & night on every type of road and covered well over a million miles, so knows a bit about what makes for safety on the road,what is really dangerous and needs to be observed when driving and quite frankly, the speedo is way down on my list of things to observe to negotiate Britain's roads safely, but I don't expect some fool who sits behind a desk all day to appreciate that.

hI Graball .. if his policy states he can drive on third party .. not an issue.

You still have to check the wording on the policy. If you can prove third party entitlement - not a problem . I know many out there are loath to keep original docs in cars. If you have a photocopy . it helps officers out there verify very quickly and without the horror stories which we all know appear from time to time. I am immune to these as are most real professionals who get on with the job and mutter to it all

I seem to recall having the same conversation with the late Paul in 2004 when I first joined in the debating.

_________________
Take with a chuckle or a grain of salt
Drive without COAST and it's all your own fault!

A SMILE is a curve that sets everything straight (P Diller).

A Smiley Per post
FINES USfor our COAST!

Approach love and cooking with reckless abandon - but driving with a smile and a COAST calm mind.

Thanks, IG ...

_________________
My views do not represent Safespeed but those of a driver who has driven for 39 yrs, in all conditions, at all times of the day & night on every type of road and covered well over a million miles, so knows a bit about what makes for safety on the road,what is really dangerous and needs to be observed when driving and quite frankly, the speedo is way down on my list of things to observe to negotiate Britain's roads safely, but I don't expect some fool who sits behind a desk all day to appreciate that.

But if the mates car is "not insured" then it won't appear on the BiB database so Dartfordman is in danger of being stopped and having his mates car impounded and been made to walk home on the hard shoulder. No point in having the documents if the car isn't on the database.

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When I see an adult on a bicycle, I do not despair for the future of the human race. H.G. Wells
When I see a youth in a motor car I do d.c.brown

Ok guys lets try to get back to my original question please.

If the situation is I have insurance for the car TPFT, and am the legal owner of the car, but am not the registered keeper of the car, what happens if on your insurance you say that you are?

Would this be as illegal as having no insurance at all? I.e 6 points and all that?

Or would it be a simple call to get it changed?

You have supplied fraudulent information to the insurance company, and thus they will refuse to cover you in the event of an incident. As previously stated in previous comments.


Not sure legally, I believe that since the insurers would not indemnify you, you are also breaking the law. You would certainly be personally liable for any damage you caused in any accident.


Yes, my wife is the legal owner, but not the registered keeper of her car, I stated this to my insurer and have an insurance certificate stating this - she is legally covered, you aren't.

So can you get points for that? Or would they just insist you changed it straight away?

What I believe happened was I stated I was the reg keeper as I had expected to change it very soon, but in the end i opted not to change it and forgot I had written that on the insurance.

Im due for renewal this month anyway so would the best option be to just get the new premium and make sure this time it is correct?

Im assuming they wouldnt be heavy on this like they are with people that have no insurance right?

Would be ridiculous if I got points for it.