If I was to put my car in my wifes name with the DVLA would I still be able to insure it in my name and have her as the secound driver or would she have to be the insured and me be the secound driver.
2007-10-03 22:06:37 · 16 answers · asked by large long & very strong 1 in Cars & Transportation ➔ Insurance & Registration
ownership of the Car isn't the same as the registered keeper (the DVLA are only interested in the registered keeper in part to know who to send the Vehicle Excise Duty demand to, but also so that the police can send any speeding fines via
The registered keeper or owner isn't the same as a driver insured to drive a car. The insurance may be associated with a specific car (ie specific named people are insured to drive that car [ in some cases anybody is insured to drive that car if they are in a permitted group], or it could be that specific named persons are insured to drive unnamed vehicles.
eg a company may own several vehicles and they may insure those vehicles for a specific named driver, any employee.
A private citizen may insure themselves to drive a specific car, or any car. You dont have to own the car to take out insurance on it.. there is nothing stopping you insuring yourself to drive someone else's car if you wish (an dthe insurers will accept the risk). The insurance covers you for risks associated with the car, the insurer doesn't care if the car isn't yours they are insuring the risk on that car.
The one thing you have to watch out for is to make sure that you dont insure the car in your name but effectively the car is normally driven by your wife. If the car is normally driven by your wife then her name should be on the policy.
Insurance isn't directly associated with ownership, and ownership (in a legal sense) isnt directly linked to the DVLA's registered keeper.
Bear in mind however that you shouldn't play fast and loose with insurance. If you insure the car based on false statements and the insurer finds out then there is a risk that the insurer may void the insurance if you subsequently claim and are found out. Essentially you are giving the insurance company an easy opt out to avoid paying a claim
2007-10-03 22:14:35 · answer #1 · answered by Mark J 7 · 0⤊ 1⤋
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RE Car Insurance and DVLA?
If I was to put my car in my wifes name with the DVLA would I still be able to insure it in my name and have her as the secound driver or would she have to be the insured and me be the secound driver.
2014-08-23 12:19:39 · answer #2 · answered by Anonymous · 0⤊ 0⤋
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RE Car Insurance and DVLA?
If I was to put my car in my wifes name with the DVLA would I still be able to insure it in my name and have her as the secound driver or would she have to be the insured and me be the secound driver.
2014-10-10 01:08:18 · answer #3 · answered by Anonymous · 0⤊ 0⤋
The DVLA will not have a problem, so long as the car is insured.
However, your insurance company may insist that the car is registered in the name of the policy holder - check the small print.
2007-10-05 02:15:57 · answer #4 · answered by Neil 7 · 0⤊ 0⤋
the owner and keeper of the car must be the insurer UNLESS
it is a husband and wife. You cannot insure something that you do not own so if it is parent and child over 17 it is not permitted and is called fronting. In that case the insurer will not pay out if there is an accident.
I have worked in car insurance for the last 7 years
2007-10-03 22:23:45 · answer #5 · answered by honey 3 · 0⤊ 0⤋
You can but I believe the best way forward is that you can actually have the car in both your names. My car is in my name but my husbands car is registered to Mr & Mrs etc., although it is NOT a stipulation that you are married.
This is clear on the registration certificate and the insurance is now in his name with me as a named driver, however the finance is in my name. This is what we did as we were not sure at the time. Solves any insecurities.
Hope this helps.
2007-10-03 22:26:37 · answer #6 · answered by Mum of 3 1 · 0⤊ 0⤋
DVLA no longer allow joint names on a registration document apparently, and the person normally driving it is expected to be named as the keeper- this is NOT the same as ownership and you should not confuse it with that.
As for insurance, the registered keeper of the vehicle has to be named on the insurance certificate in order to get tax for it, and this is something that regularly causes problems for me in my job!
2007-10-04 07:24:09 · answer #7 · answered by annie 6 · 0⤊ 0⤋
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RE :Car Insurance and DVLA?
If I was to put my car in my wifes name with the DVLA would I still be able to insure it in my name and have her as the secound driver or would she have to be the insured and me be the secound driver.
Follow 16 answers
2016-08-28 12:44:29 · answer #8 · answered by Anonymous · 0⤊ 0⤋
you can have the car in her name and insured in yours and she doesnt have to be a named second driver she will just be the registered keeper with the dvla.
2007-10-03 22:13:58 · answer #9 · answered by CARL D 2 · 0⤊ 0⤋
You need to uopdate address with DVLA when you move. Max £1000 penalty for not informing them
2016-05-20 08:24:34 · answer #10 · answered by ? 3 · 0⤊ 0⤋