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oh hell

(30 Posts)
peckarollover Mon 13-Jun-05 14:33:00

I am just sorting the forms to send to insurance company for my car.

My insurance policy states me as the registered keeper but the person named on the registered keeper form (log book) is actually my DP. I always thought it was in my name

Will this mean they will refuse to pay out?

HELP

ogri Mon 13-Jun-05 14:41:46

you should be fine, most companies accept either your name or your spouces name on the registration document.

Tissy Mon 13-Jun-05 14:42:50

no, I don't think so- they go by who is the main driver rather than who is the registered keeper. We did however get our registration documents changed after dh had an accident in what was (technically) my car, and I had an accident driving his! The paperwork got too confusing!

SaintGeorge Mon 13-Jun-05 14:43:44

From our car insurance documents:

"Registered Keeper
A person who looks after the vehicle, this person may or may not be the Registered owner."

peckarollover Mon 13-Jun-05 15:09:45

so do you think its safe to send the form then with DPs name on? (old address too grrrr i am useless)

SaintGeorge Mon 13-Jun-05 15:12:49

Do you mean the log book has the old address?

Don't see a problem. You are the registered keeper (as per insurance) DH is registered owner (as per DVLA log book). Just attach covering note saying you have notified DVLA of change of address but not received new log book - then notify the DVLA ('cos you could get into trouble for that bit)!

peckarollover Mon 13-Jun-05 15:16:40

so........if I am giong to notify dvla of new address shall I put myself as the new keeper at the same time or leave it as him

SaintGeorge Mon 13-Jun-05 15:23:27

I'd leave it - why add an extra owner to the list? Especially if you will want to sell the car on later - some people can be awkward if there have been multiple previous owners.

peckarollover Mon 13-Jun-05 15:29:09

erm I should maybe make it clear that the car was burnt to the ground

Does that make a difference about me chanigng the address

edodgy Mon 13-Jun-05 15:52:06

Is your correct address on the insurance?

SaintGeorge Mon 13-Jun-05 15:59:16

Oh well in that case just attach the note saying DVLA were notified and you were awaiting new log book.
No point in trying to tell the DVLA retrospectively - since the car is now an insurance write-off (and a pile of ash!) changing the name and address now might get you caught up in accusations of fraud. Highly unlikely scenario but not worth the risk.

peckarollover Mon 13-Jun-05 16:14:05

SHIT

DP IS ON WAY TO POST BOX WITH THE STUFF ON THE WAY TO THE DVLA

I PUT A DATE ON A COUPLE OF MONTHS AGO, COULD I JUST SAY THAT IT HAD BEEN LYING AROUND AGES WAITING TO BE DONE SO HE POSTED IT

peckarollover Mon 13-Jun-05 16:14:30

Yes, correct address is on the insurance

Mosschops30 Mon 13-Jun-05 16:15:49

Message withdrawn

SaintGeorge Mon 13-Jun-05 16:18:13

If you have backdated DVLA stuff to before the car was destroyed that should be ok - I was just bothered that you would be telling them a change of name & address after the date of the insurance writing the car off.

Re insurance paying out - check the exact wording and definition of your insurance. Who are you insured with? Most of them use the same key wording.

peckarollover Mon 13-Jun-05 16:21:24

oh mosschops PLEASE dont say that

I really will cry

Im with elephant.co.uk

Mosschops30 Mon 13-Jun-05 16:22:14

Message withdrawn

Fio2 Mon 13-Jun-05 16:25:29

DVLA have a huge backlog atm because they are changing their computer system over atm or something so you should get away with it

peckarollover Mon 13-Jun-05 16:26:02

I love you fio

edodgy Mon 13-Jun-05 16:26:55

i used to work for a car insurance company and im sure that the registered owner and keeper had to be the main driver of the car otherwise we'd tell them they would have to register the car into the main drivers name. Is your Dp named on your car insurance at all?

Fio2 Mon 13-Jun-05 16:28:28

I love you too Mrs Rollover

peckarollover Mon 13-Jun-05 16:28:57

edodgy - he was, have JUST taken him off BALLLLLLLLLLS

Mosschops30 Mon 13-Jun-05 16:30:06

Message withdrawn

SaintGeorge Mon 13-Jun-05 16:30:51

Have just trawled through the small print on Elephant and can't even find the term 'registered keeper' or 'registered owner'. I would contact them to clarify.

edodgy - that can't be right. We always insure our car in my name because it is cheaper - but the DVLA documents are in DH's name, we just have him as either a named driver or 'spouse'. Never had a problem and it has always been legal.

PinkButterfly Mon 13-Jun-05 16:41:07

Sorry to hyjack your thread. I have been following to see if anyone might give insurance advise relevant to me! Think actually from what is being said I am driving a car I am not insured for !!! Anyways, dunno if this helps but I was advised by direct line last week that they would issue insurance for me as long as the registered keeper was either myself or my spouse
.

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