Does the registered keeper have to be the main driver?

Asked by: Rey Mosciski  |  Last update: February 11, 2022
Score: 4.1/5 (40 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.

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 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.

Can the policyholder and the registered keeper be different?

Yes, you can take out a separate car insurance policy on someone else's car. Just tell the insurer you're not the owner or the registered keeper of the vehicle when you apply.

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'.

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

31 related questions found

Can you be the main driver on a car you don't own?

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.

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.

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 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.

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.

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.

Do you have to be a named driver to drive someone else's car?

Can I drive another car without being a named driver? If your policy has DOC (drive other cars) cover then yes, you can drive another car if you are not a named driver on the main driver's policy - but only in the event of an emergency, not occasionally like with named driver cover.

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.

Why is V5C not proof of ownership?

According to the DVLA, a V5C can't be used as proof of ownership. Your name may be written down on the document but this merely indicates 'who is responsible for registering and taxing the vehicle', rather than who legally owns it.

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.

Can you be a named driver on a car you own?

One of the most common questions we get asked is “what is a named driver?”. If you own a car and have your own insurance but there is another driver who sometimes uses your vehicle, you can usually add that person to your car insurance policy as a named driver.

Is a named driver a policy holder?

The vehicle policyholder is nominated by the principal policyholder as being the person who drives the vehicle most often and earns the no claim discount. Named drivers are additional drivers nominated by the principal policyholder who are entitled to drive the vehicle under the policy.

Can a named driver drive to work?

Any named driver can use your vehicle occasionally. That means they shouldn't be the permanent driver, nor should they be regularly using the vehicle, for example for driving to work. If someone is named as an additional driver but in fact has main use of the car, this is called fronting, which is illegal.

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.

Do I get NCD as named driver?

No, unfortunately named drivers can't build up their own no claim discount (NCD). You can only earn NCD if you're the policyholder or the NCD holder on a multi car policy.

Do insurance companies prove fronting?

Fronting will most likely be discovered when a claim is made. If it is the named driver who is involved in a collision, for example, an insurance provider may launch an investigation. Should the insurer conclude that fronting has occurred, it may refuse to pay for any damage.

What happens if you are caught fronting?

Fronting is car insurance fraud, and it's against the law. The consequences are severe – voided or cancelled policies, substantial fines, up to six points on your driving licence and a potential driving ban. The main driver should be the person who spends the most time in the car.

What is the difference between primary driver and assigned driver?

Insurance companies like to assign each car to one primary driver. That person, the primary driver, is the one whose driving record and risk profile are used to calculate its rates. ... Before you bought your third vehicle, your insurance company assigned you to the vehicle you normally drive and your husband to his.