taxing the car or the person !!!

[Steve L]

Being a full timer, I registered our car in my daughters name and address as by law you have to have a permanent address for the registered keeper who may not necessarily be the owner of the vehicle. This is clearly stated on the log book.

The tax was due at the end of last month, so off I trudged to the local post office with the tax notification form, the MOT and the inc=surance for the car. But I came away empty handed.

They would not issue the tax disc for the car because my insurance certificate doesn't have my daughter as a named driver.

I nievely thought we were taxing the car and not the person!!

The car registration number is clearly displayed on the insurance certificate and the MOT and the tax application form.

If I had taxed the car on line it would of been fine as a PNC check at the DVLA shows the car taxed, insured and MOT'd.

After telephoning DVLA customer services and explaining our dilema, an answer was found.

Simply fill in part 6 and 8 of the log book as if you are buying the car. Then take the green slip and the MOT plus the same insurance document to the same post office and even see the same clerk. Then you come away with a tax disc with no quibble.

How B!!!dy stupid.

I even pointed out after getting the tax disc, that If I'd just become the new owner, why was my insurance commenced November last year!!

All I can say is what a load of bull and red tape.

Steve L.

 

[Meister]

You need to be careful when registering a motor vehicle in someone elses name as Insurance Companies often ask the question (when arranging insurance):

"Are you the registered keeper, owner and main driver of the vehicle?"

If you answer Yes when it is not true you could potentially land yourself in trouble.

There is a specific offence of "Making a false statement to obtain insurance"

Perhaps worth thinking about ??

 

[Dustydog]

Steve ,

Meister is dead right.

These days Insurers rely heavily on small print to avoid paying claims. The duty of disclosure is even more crucial. I think you should err on the side of prudence and tell your insurers why the vehicle is registered in your daughters name.

Cheers

ALAN

 

[RogerP]

so why did you not register the car in your name at your daughters address?

Would that not have been the right thing to do?

 

[RogerL]

You are taxing the car, not the person. The process is used as an additional check that the person holds insurance to drive the vehicle that's registered to them.

If it's your car it should be registered in your name (so that you get the speeding fines).

Using your daughter's address, but your name, is acceptable to DVLA but you would have to declare to your insurers that the vehicle isn't kept at any permanent address - many insurers won't give cover on this basis.

 

[Surfer]

Our cars were registered at my father's address and the insurance advised that it was kept at another address and we had absolutely no problem at all.

Perhasp some one can name an insurance company that does not offer cover in these circumstances and we can then avoid them.

 

[RogerL]

Ian - registered and kept at different permanent addresses is no problem for most insurers.

Registered at one place, but with no permanent address, ie fulltime caravanner/motorhomer is a problem for many insurers.

Being economical with the truth is one way round the problem but not strictly legal.

 

[Surfer]

We were permanent caravanning and never had a problem with any insurance and we were not economical with the truth as we did not want to be in the situation where the insurance company did not want to pay up.

 

[Steve L]

To clarify a couple of points.

Firstly I insured the car for me as the main driver and my wife as second.

Primarily what we are doing is empolying the services of an insurance company to indemnify the car against natural loss ie, fire & thieft. Secondly to indemnify the named drivers of said car against third party and own fault claims ie Comprehensive cover.

As we are full time caravanners, my daughter has a permanent address at uni in Taunton, so we registered the car there with a direct family member so that should I get a speeding ticket for instance, I could pay it willingly.

Now then, lets just say you have a company car owned by say a leasing firm, who lease it to your head office in London but you have charge of the car and live in Penzance. Surely that is the same senario as my private individual arrangement?

My point was that the process of taxing the vehicle seems to be more intent on tracking the person. It is car tax not personal tax.

We all pay enough of that!!

Steve L.

 

[RogerL]

Your only problem is registering it in your daughter's name - just register it in your name using your daughter's address.

 

[mike_374361599]

To clarify a couple of points.

Firstly I insured the car for me as the main driver and my wife as second.

Primarily what we are doing is empolying the services of an insurance company to indemnify the car against natural loss ie, fire & thieft. Secondly to indemnify the named drivers of said car against third party and own fault claims ie Comprehensive cover.

As we are full time caravanners, my daughter has a permanent address at uni in Taunton, so we registered the car there with a direct family member so that should I get a speeding ticket for instance, I could pay it willingly.

Now then, lets just say you have a company car owned by say a leasing firm, who lease it to your head office in London but you have charge of the car and live in Penzance. Surely that is the same senario as my private individual arrangement?

My point was that the process of taxing the vehicle seems to be more intent on tracking the person. It is car tax not personal tax.

We all pay enough of that!!

Steve L.

you have access to the internet so why dont you just buy your tax online, they dont care as long as the car is insured and mot on there books, only problem it will be sent to yuor daughters address.

reguards mike