Does registered keeper have to be main driver?

Asked by: Ken O'Conner I  |  Last update: February 11, 2022
Score: 4.3/5 (67 votes)

Every car insurance policy has a "main driver". ... The main driver has to drive the car more often than the named driver. If they don't, it counts as a type of fraud called "fronting". But the main driver doesn't necessarily have to be the owner or the registered keeper.

Can you be the policy holder but not the main driver?

Does the policyholder have to be the main driver? Generally, insurance policies are set up with the policyholder also being the main driver of the car. It's worth noting that it's illegal for anyone other than the main driver to be placed as the policy holder, this is 'fronting'.

Does it matter who is the registered keeper of a car?

The registered keeper should be the person who is actually using / keeping the vehicle and this is not necessarily the owner of the vehicle or the person who is paying for it. ... so it would be wise to have the registration document changed if you are the owner, but not the user/keeper.

Can the registered keeper be a non driver?

Some insurers will only insure a car's registered keeper as its main driver, so check the policy terms carefully before buying if this is not the case. However, you don't have to own a car to be its registered keeper, which is whoever's named on the DVLA registration certificate (DVLA V5C).

Can someone else be the main driver on my car?

Car insurance fronting – where someone declares themselves as the main driver of a car even though it will be someone else – is illegal.

Registered Keeper Gets Fined £660 and 6 Points for Failing to Advise Who Was Driving - GL07 OZC

21 related questions found

Can someone drive my car if they are not on my insurance?

If a friend or a family member has an accident and isn't insured, then you will have to use your insurance. Unless you have expressly denied that driver permission to use your vehicle.

Can I drive a car if my name is not on the insurance?

If you don't have your own insurance policy (either on your own car including DOC cover, as a named driver on the car owner's policy, or standalone temporary cover), you will not be legally covered to drive. Remember that it's not the car that's insured – it's the driver.

Who is the legal owner of a car on finance?

A car on finance legally belongs to the car finance provider until you've completed your payment plan. Once you've fully paid off the car it may belong to you, or you may have to hand it back to the lender - depending on your car finance agreement.

Can you have 2 main drivers on the same car?

You and your partner can both take out separate policies for the same car. Car insurance policies are for both the vehicle and the driver, so it's perfectly fine, legal and common for two people to be insured on the same vehicle under separate policies. There are a few reasons why you might consider doing this.

Can you be the registered keeper of a car without a Licence UK?

The registered keeper does not even need to have a driving license. The car must be insured in the name of the main driver, or one of the main drivers, and any other drivers must normally be named on the insurance.

Does the registered keeper have to insure the car UK?

Technically, the registered keeper of a car doesn't need to be the insurance policy holder for that car. But some insurers won't let you be the policy holder unless you're the registered keeper.

Can a named driver be the main driver?

As a named driver you will be given the same level of cover as the vehicle's main driver. Named driver policies are only appropriate if the named driver is not the main driver (main user) or the owner of the vehicle. Named drivers should be careful to avoid 'fronting', a form of insurance fraud.

What are the main responsibilities of the registered keeper?

Essentially, a car's registered keeper is the main driver, and the person responsible for taxing the vehicle, insuring it and ensuring it has a proper MOT.

Is insurance fronting illegal?

Is car insurance fronting illegal? Car insurance fronting is illegal and is a type of car insurance fraud. ... Fronting can result in more expensive car insurance premiums in the future and some insurance providers may even refuse to cover you.

Who gets NCB policy holder or main driver?

Does your bonus apply to the car or policyholder? It is attributed to the policyholder, but although you may assume that the NCB is entirely linked to your skills as a driver it actually only applies to a single policy for one vehicle.

Do insurance companies check named drivers?

No. Being listed as a named driver on someone else's policy does not affect your own car insurance if you are involved in a road traffic accident. If you were to have a car accident while driving another person's car as a named driver, you would need to claim on the main driver's insurance policy.

Can I insure my wife's car in my name?

Generally, a car insurance company will only insure a car in the name of the person who is listed on the car's title. So, for example, if your wife is listed as the car's owner, then an insurance policy for the car would have to be listed in her name. ... However, you two could have a joint policy with both your names.

Do you lose your no claims if you are a named driver?

If you're a named driver as well as having your own insurance, and you make a claim as a named driver, you won't usually lose your no-claims bonus. Most of the time it affects the policyholder.

Can I build up NCD as a named driver?

Named drivers can't usually build up a no claims discount, although they can accumulate their own if they're insured as the main driver on their own car. Some insurance providers may give a named driver a discount – provided they take out their own policy at a later date.

Can someone take out car finance for me?

Applying for car finance such as Hire Purchase or PCP on behalf of someone else, also known as fronting, is fraud. ... However, the person who takes the finance will need to be the registered keeper of the vehicle. Some lenders also require the borrower to be the main driver.

Can someone else take over my car finance?

Car loans are the easiest loan to transfer to another person. If the new borrower qualifies for the original loan, then the lender can agree to transfer the loan into their name. ... The new borrower may wish to get a new car loan from a different lender.

Can you transfer ownership of a car on finance?

No you can't, as the lender is the legal owner of the car until the finance is settled. In order to sell the car, you'll have to end the hire purchase agreement early.

Is my girlfriend insured to drive my car?

Usually, yes — your car insurance coverage should extend to anyone else driving your car. ... This means even if your friend, sister or cousin have the best coverage possible, it would usually be your auto insurance that'd be covering the damages if they were at-fault in an accident while driving your vehicle.

How does insurance work driving someone else's car?

Generally speaking, auto insurance follows the car instead of the driver. Follows the car, meaning: if you lend your friend your car and your friend gets into a collision, your insurance would cover it, and if your friend lends you their car and you get into a collision, your friend's insurance would cover it.

How does insurance work if someone borrows your car?

Your auto insurance policy is responsible for your car when someone else driving it is involved in an accident. ... If a friend borrows your car and causes an accident, your insurance policy pays for any at-fault damages. A rule of thumb to remember in this situation is “car insurance follows the car, not the driver.”