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Many thanks for comments. To clarify moomintroll1 is correct. We have just met this crazy situation ,due to ill health the reg. keeper is no longer on the insurance cert.
Unable to tax car at PO or DVLA office, online no problem.
I too would like to know what happens if ,say, a blind person buys a car & employs a chauffeur, the blind person would obviously not be on the ins. cert. This situation, or similar, must surely occur. I am afraid david1702198 it is not as we too thought , the vehicle alone that is insured.