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Original poster

Help please. Insurance - think I've messed up

51 replies

NoOneKnowsWhoYouAre · 31/01/2025 09:25

Posting for traffic. Getting my DC car insurance quotes and it asked when the car was bought. We are giving him our car so I put the date we bought it. I have the receipt for that. We have been the registered keepers since then and just this week transferred the car to him as the registered keeper.

Today DC (17) has had an email saying they are auditing and he needs to send off his v5 (which we don't have yet).

My question is, will they think he (we) lied on the application? We didn't intentionally, it's when the car was bought, but is that what they were asking? The policy just says "date bought:" with the date we bought it (he hasn't bought it ever), it didnt ask when he became the registered keeper. I'm feeling really stressed about it, I tried to do this properly, and I'm worried I've massively fucked up.

I will ring them with him tomorrow and can send proof of the date we bought etc, but will he have his insurance cancelled?

OP posts:
Beachhutgirl · 31/01/2025 11:45

Just wait until you son is with you, then phone them and explain what has happened. They will sort it out for you. Insurance works on the principal of good faith, so as long as you are honest with them they will work it out.

DreamW3aver · 31/01/2025 11:50

Even if for some reason the insurers think you are lying it's easy to explain the circumstances, I think you're worrying unnecessarily.

CharlotteFlax · 31/01/2025 11:51

It will be fine.

Yes you made a mistake on the quote because they wanted the date the vehicle was owned by your son, not the date you bought it as the previous owner, but I'm sure it will be fine. Just get your son to ring up later and explain.

They may still want to see the V5 but that will be fine too.

Everybodywantstoruletheworld2025 · 31/01/2025 11:57

Don’t you have the V5 new owners slip you can send to them? This will show the date you transferred it to your son which you say was before the insurance policy started date.

HellofromJohnCraven · 31/01/2025 12:45

It will be fine. Let them know and send off the v5 when it arrives

Calamitousness · 31/01/2025 12:57

Please don’t worry. Just chat to them when you can. I recently made an error with my car insurance and they were absolutely fine with it. Just changed the details once they were updated. The date of purchase is not a big deal when you’re clearly not trying to defraud via a claim. So don’t worry.

Original poster
NoOneKnowsWhoYouAre · 31/01/2025 13:08

The V5 just arrived in the post, so DC has uploaded it to the portal (I took photos and sent them to him) so now I'll wait and see. If there is a problem I will have to pay any extra for it.

I just found this online:

While the length of time you've owned a car usually doesn't directly affect your car insurance cost, it can indirectly influence the price because factors like your familiarity with the vehicle and potential claims history related to that specific car might be considered by insurers, potentially leading to a slightly lower premium if you've owned it for a long time; however, the primary factors impacting cost are usually the car's make, model, age, safety features, and your driving record.
Key points to remember:
Not a direct factor:
The number of years you've owned a car isn't a primary factor insurers use to calculate your premium.

OP posts:
Funkyslippers · 31/01/2025 13:17

NeedspaceforlegoIncorrect. Please get your facts right

I'm the policyholder of our car insurance, and the main driver but OH is the registered keeper

Magnastorm · 31/01/2025 13:23

NoOneKnowsWhoYouAre · 31/01/2025 13:08

The V5 just arrived in the post, so DC has uploaded it to the portal (I took photos and sent them to him) so now I'll wait and see. If there is a problem I will have to pay any extra for it.

I just found this online:

While the length of time you've owned a car usually doesn't directly affect your car insurance cost, it can indirectly influence the price because factors like your familiarity with the vehicle and potential claims history related to that specific car might be considered by insurers, potentially leading to a slightly lower premium if you've owned it for a long time; however, the primary factors impacting cost are usually the car's make, model, age, safety features, and your driving record.
Key points to remember:
Not a direct factor:
The number of years you've owned a car isn't a primary factor insurers use to calculate your premium.

At the very worst they may adjust your premium, and given the circumstances I would expect that is extremely unlikely.

You really don't need to worry.

BookGoblin · 31/01/2025 13:51

Gosh OP ignore posters trying to worry you, it will be fine, insurance companies deal with genuine errors all the time. They'll just adjust your premium. They aren't trying to catch you out.

Everybodywantstoruletheworld2025 · 31/01/2025 21:31

How long before you sent off the V5 after you took out the insurance policy?

Can you answer this simple question? No idea why you keep dodging it.

Floralnomad · 31/01/2025 21:36

FWIW @NoOneKnowsWhoYouAre when he calls them get him to add you as a person authorised to discuss the policy it’s so much easier in the future as you could have sorted this out immediately.

Everybodywantstoruletheworld2025 · 31/01/2025 22:04

Floralnomad · 31/01/2025 21:36

FWIW @NoOneKnowsWhoYouAre when he calls them get him to add you as a person authorised to discuss the policy it’s so much easier in the future as you could have sorted this out immediately.

I wouldn’t do this because you’ve messed up already and if he is responsible enough to be driving a car he should be able to navigate all that goes with it!

Floralnomad · 31/01/2025 22:10

@Everybodywantstoruletheworld2025 it’s never been an issue here it means I can deal with things when he’s at work - he doesn’t even live here but that’s how our family works .

Needspaceforlego · 31/01/2025 22:29

Funkyslippers · 31/01/2025 13:17

NeedspaceforlegoIncorrect. Please get your facts right

I'm the policyholder of our car insurance, and the main driver but OH is the registered keeper

Edited

That's what I was told by the insurance company a few years ago. Maybe it's different companies

Original poster
NoOneKnowsWhoYouAre · 31/01/2025 22:47

Everybodywantstoruletheworld2025 · 31/01/2025 21:31

How long before you sent off the V5 after you took out the insurance policy?

Can you answer this simple question? No idea why you keep dodging it.

I'm not sure why you are accusing me of dodging a question, nor why you feel the need to be aggressive about it. The insurance started yesterday and the V5 was applied for on Monday online.

OP posts:
13Ghosts · 31/01/2025 22:49

Most insurance policies don't let you insure a vehicle that you or your spouse don't own.

A non ownership policy is required when you're insuring a vehicle you don't own. You are also required to let your insurer know if you are insuring a leased vehicle - most insurers will let you insure a leased vehicle as long as the policy holder is the person who took out the lease agreement and others will offer GAP insurance.

The company will be questioning the purchase date as the policy holder is your teenaged son who could not hold even a provisional license when the vehicle was bought. You're transferring ownership to him so put that date on it as it is the date he obtained the vehicle. A quick call will sort that out and amend the policy. It may or may not affect the premium as your son can't legally have more driving experience than years he could have held a provisional license. This is a factor in insurance ratings.

Quote for adding both parents as named drivers to the policy as long as you both own or use another vehicle and have clean licenses and no at fault claims in the last 5 years. Even when your son will be the main or only driver, it can help reduce the premium.

BourbonsAreOverated · 31/01/2025 22:51

You can't hold Insurance if you're not the registered keeper. Remember they can access the DVLA records.

I insure my daughters car but she’s the registered keeper (not old enough to drive yet)

Redrosesposies · 31/01/2025 22:51

See really the question should be "when did you acquire the vehicle". It used to be, but presumably too many people didn't understand the question so they had to simplify it😂

Funkyslippers · 01/02/2025 08:06

Needspaceforlego · 31/01/2025 22:29

That's what I was told by the insurance company a few years ago. Maybe it's different companies

Show quote history

Not at all. We've used loads of different companies over the years

Original poster
NoOneKnowsWhoYouAre · 01/02/2025 08:34

Redrosesposies · 31/01/2025 22:51

See really the question should be "when did you acquire the vehicle". It used to be, but presumably too many people didn't understand the question so they had to simplify it😂

Now that would make much more sense!!

OP posts:
Original poster
NoOneKnowsWhoYouAre · 01/02/2025 13:57

Just had an email. They are charging £5.72 extra a year. Panic over!

OP posts:
Musntapplecrumble · 03/02/2025 19:37

Yay!

RitaFromTheRanch · 03/02/2025 19:49

NoOneKnowsWhoYouAre · 01/02/2025 13:57

Just had an email. They are charging £5.72 extra a year. Panic over!

I'm not sure if this will help going forward but when this sort of thing happens and I get in a bit of a flap, i just tell myself that a kind person will help me.

I know it sounds a bit twee but usually when I call any organisation needing help I do get a kind person and they do help.

Glad it's sorted.

OrangeFluff · 03/02/2025 19:57

I work in motor insurance. There’s usually two questions- who is the owner and who is the keeper- as these can often be different. Your husband can be the owner and your son the keeper.