Once I get the vrs im planning on changing the ownership to my mum for insurance purposes, however Ive just realised because im paying for the car in installments I would not be the owner until fully paid for.

Are there are areas of the warranty, aa cover, servicing that I could invalidate ecause of the change?

Forexample im sure horners skoda do free servicing for life as long as it is the original owner of the car.

It's free MOTs, not servicing (unfortunately!)

I wouldn't imagine Horner's would get picky about something like that, but policies might change over the next three years.

Warranty and AA is from Skoda anyway, so the balance is transferred between owners until it expires (hence I got 2 years warranty and AA as my car was a year old).

Rob.

Speak to Gary (service manager) - mention briskoda - there won't be an issue I'm sure.

Originally posted by Tavia4x4 in this post

Speak to Gary (service manager) - mention briskoda - there won't be an issue I'm sure.

Am I the only one who reads this as:

These are not the droids you are looking for...

Ah yes, sorry, forgot, you have to wave your hand as you say it, gently from left to right.

day tripper

How are you financing the car?

Originally posted by Quinten in this post

Am I the only one who reads this as:

quote:

--------------------------------------------------------------------------------

These are not the droids you are looking for...

--------------------------------------------------------------------------------

Bloody classic....thankyou thats a great day lifter!

re topic, would depend I think on finance as Denis is asking.

All other issues are for you and your mother

Should be ok, my name is on the log book as the owner and my wife's name is on the 0% finance agreement from Skoda so she pays for it .

Darren

Darren

That's very interesting! I am buying my 4X4 using Skoda Finance. The car belongs to Skoda Finance (VW Financial Services (UK) Limited) until such time as I have finished paying for it. In the meantime I am obliged to keep it in my possession and control and must not sell or otherwise dispose of it or attempt to do so. Did Skoda UK allow you to register the vehicle in your name as keeper rather than your wife, or did you just go ahead and do so? And in whose name is the vehicle insured? My understanding is that you cannot insure something you don't own unless, for instance, it is subject to an HP agreement in your name. Just asking...

You can insure a car you don't own, but it costs more - hence the question when you get a

quote of "are you the registered keeper". I never actually did it myself, but I did get quotes

for it on the Astra. All absurdly high, of course...

Rob.

Dennis - right to a certain extent - no insurance contract is legal unless the person purchasing the insurance has an insurable interest (which has to be legally proven) in the matter of the insurance. This is one of the major cornerstones of insurance and is designed to stop any fraudulent activity - i.e. if this wasn't in place I could insure your car, pay the premium, smash your car up and receive whatever it was worth :eek:

However, in Darren's case, he would have an insurable interest in the vehicle since he would own a bit of it (even if the finance company owned the majority) and would stand to lose out if the car was written off / damaged.

IRO of the logbook - the bloke I bought my car off was entered as the owner in the logbook, but he had an outstanding loan on the car. If I hadn't made sure that this loan was paid back, I could have bought the car from the logbook "owner" and the Bank / loan company could have claimed it back without any compensation owing to me :eek:

Thanks for that expert advice Stu. I forgot to mention to NU Direct that my 4X4 is on HP when I notified them of a change of vehicle. When I subsequently realised my mistake and phoned them up, they weren't in the slightest bit interested. I suppose it is only relevant if you have to claim for a write-off, otherwise not.

Denis

My vRS estate is registerd in my name and insured in my name, but the 0% finance is in the wifes name. We put a 50% deposit down on the car and nobody minded the car being registerd to me and financed in wifes name, especially me :p .

Would have caused problems with insurance if the car was registerd in my wifes name as she already has her own car, so we would have to start with 0 no claims, imagine that on a vRS :eek:

Darren

Originally posted by Quinten in this post

These are not the droids you are looking for...

(Nick in Granny mode) huh?

Originally posted by ncarring in this post

(Nick in Granny mode) huh?

You mean, you have never heared these?

Size matters not. Look at me. Judge me by my size, do you?

or

Adventure. Heh! Excitement. Heh! A Jedi craves not these things

:eek:

I've never heard of these! I did see Maid in Manhattan though, so it's not like I'm totally

uncool...

Rob.

OK so it's Yoda - didn't realise that - now what's it got to do with talking to service managers?

The link is that Tavia4x4 said something in the style of 'old Ben Kenobi' out of Star Wars...

If you say so ....

Skoda is financing it i.e. 0% deal. So wouldnt the registered owner be skoda?

Registered owner is the name of the person whos name is on the vehicle registration document normally the person buying the car as provided by teh dealer when registering the car with the DVLA- Will certainly not be Skoda UK! and is the person who picks up the speeding fines etc.

John

A couple of points. Firstly I think Day Tripper should be very careful about transferring the car into her mums name, the only reason that I can see you would do this is that she will be the policy holder and you a named driver. If you make a claim and the insurance company investigate and find that you bought the car and are the main user they may consider you in breach of contract. The result of this would be that they would not pay out to you and once they paid out to a third party they could then sue you for what they have paid out. It could all be very messy and expensive. I would council against being anything then absolutely honest with your insurance company.

Secondly, I am the registered keeper of my wife

For the policy I will be getting anyone can beinsured to drive the car providing they are over 25. I myself am 21 and therefore need to be listed. I have explained this over the phone to my insurance man and told me the legal way of getting cheaper insurance even if i am not building a no claims.

The trouble is, you end up paying for it sooner or later if you don't build up your

NCB. And insurance is a lot more expensive than it used to be, and it's not

getting any cheaper, so I'd say it's well worth biting the bullet and building up

that NCB. There's nothing more frustrating than being mid-20s and not being

able to look at getting a decent car because the insurance is too much with

0 NCB!

Rob.