van ownership

[donkey too]

Don't know if anyone can help clarify this but getting nowhere with insurance comapies and DVLA.

I have transfered a couple of my vehicles ownership to my daughter they are stored off road so no problems but I now want to transfer ownership on my camper and my small daily car to her as well.
I know the 'keeeper of the vehicle' as per the log book does not have to be the legal owner but the insurance companies insist that the owner has to insure the vehicle and it cannot be insured by the Keeper if that person is not the same person as the owner.
I need to transfer the ownership but I also need to keep the insurances in my name for cost reasons.
Anyone make any sense of this? I would have thought that The driver (Keeper) could insure the vehicle whoever actualy owned it.

 

[n brown]

owner has to tax it as well,took my daughter to the p o to tax her boyfriends van,he's no licence,had to transfer ownership to her to tax it

 

[Channa]

Two points to consider.

By your own admission you are wanting to keep premiums down....insurers in the industry known as fronting...they will shy away

Secondly to insure, there needs to be an insurable interest...if you have transferred ownership....you don't have one...

General principle of insurances I am afraid
Channa

 

[Firefox]

I think insurers have got burned in the past with people trying to insure vehicles for children in their name to cut premiums or transferring ownership to others etc for financial gain. It all seems very tied up now. With increasing sophistication of computer programs, and years of experience refining them, what you could get away with in the 80's and 90's doesn't work. If you don't fit into the computer's box... no insurance.

 

[Channa]

I think insurers have got burned in the past with people trying to insure vehicles for children in their name to cut premiums or transferring ownership to others etc for financial gain. It all seems very tied up now. With increasing sophistication of computer programs, and years of experience refining them, what you could get away with in the 80's and 90's doesn't work. If you don't fit into the computer's box... no insurance.

also another principle is that of utmost good faith
In other words anything that could influence premium or indeed influence acceptance of risk needs to be disclosed by all parties..

This naturally applies in both the ops case and circumstance you describe

Failure to do so and in the event of a claim will certainly bring about problems.


Channa.