One More. Then I'll Shut Up.

[Graham-W]

All this talk of insurance has made me wonder if what I'm doing is legal.

Wife and I used to have two cars and we both have over 10 years No Claims Discount.
When we both retired we decided to get rid of mine. The one we now have is registered with my wife as "registered keeper".
To try and maintain both our NCDs we have been insuring it in alternate years. One year in my name, then one year in her name.
As we are husband and wife is the car in joint ownership so we can carry on doing this, or, as it's registered in my wifes name is she the only one who can insure it?
We have never had any trouble with our insurance agents and they are quite happy to take the money each year without question.
It just made me wonder....

[Spannerfiend]

Right....here we go again.

The Registered Keeper, be it a company, or private individual, is the ONLY person who can insure the vehicle.

The Registered keeper is not necessarily the owner. For
example when the vehicle is owned by a finance company

Only the Primary driver on a policy can claim the NCD.

My wife and I are also retired. I have over 40 years ncd, and she
has over 25. As I always drive, except in emergency, we don't bother with my wifes ncd any more. She is a named driver on
my fully comp policy. To do what YOU want to do, however, you SHOULD change the ownership each year, so that YOU are the Registered Keeper this year, and SHE is the Registered Keeper next year, and so on. No money needs to change
hands, you are simply advising change of ownership.

That way, you keep it all legal.

[Graham-W]

Thanks Spannerfiend. That makes sense. The numbers of previous owners on the log book is going to go up very quickly though.
How about if I buy half from my wife and register it in joint names. Do you think we'd get round it that way?

[sherrardk]

Can I ask something - I own/ the registered keeper of our car but I a named driver on the insurance, himself drives it more than me. Is that ok?

[ummmm]

Sher - your insurance company would probably say no.

[sherrardk]

***, I'll sort that out then.

[Maydup]

Graham - i think its time to settle on one name as the Reg. Keeper and one regular insurance policy in the same name. As far as I can see there is nothing to be gained from swapping over each year.

[Spannerfiend]

You can't register a private vehicle in joint names anyway. You can only have ONE Registered Keeper, and that's what counts.

Off for my cocoa now !! Goodnight :-)

[ToraToraTora]

Ad usual mythery raises it's head. You do not need to be registered keeper to insure the car legally. Some insurers may insist on it. just check with your insurer.
see here: http://www.money.co.uk/article/1009114-can-i-insure-a-car-if-im-not-the-registered-keeper.htm
Now when you say you switch I assume one is the policy holder and the other is a named driver?