I'm hopefully going to get my hands on my MY16 vrs estate early next week. I've have got it on a PCH deal, my local dealers matched to the Simpsons deal.

I've been trying to sort my own insurance and the free 5 day skoda cover so they can tax it. When I call up neither company seemed to be too clear on this...

As it's a PCH deal who is the registered owner & registered keeper?

My rational is the lease company is the registered owner as I don't get a V5 and it is in their name.

I am the registered keeper as I will have it for the 24 months of the lease.

Is this correct?

Take a look at this thread.

Just insured mine with Elephant: didnt care abiut pch. £280 fully comp

Vwfs are the registered keeper on the v5 you'll never see it.

Any fines or parking tickets will be sent to them. They will pay them and invoice you, which is something I don't agree with as I may wish to contest any fine or ticket should I ever receive any.

My broker told me Volkswagen Financial Services Ltd was the registered keeper and legal owner. Esure noted it down made no difference to the premium, just got charged the admin fee for changing the vehicle.

My broker told me Volkswagen Financial Services Ltd was the registered keeper and legal owner. Esure noted it down made no difference to the premium, just got charged the admin fee for changing the vehicle.

That's what Esure did for me when I started my PCP scheme too.

It's Esure who I'm with. The girl didn't fill me with confidence.

Hi,

If you need any help with insurance at all then please feel free to drop me a line.

Regards,

Dan.

Thanks dan, I will be in contact when my current policy runs out.

From your professional opinion who should be the owner and keeper?

Hi,

If you need any help with insurance at all then please feel free to drop me a line.

Regards,

Dan.

Hi Dan, been with you last 2 years. But this week on the VRS you guys were twice, yes twice as dear than other insurers? Is there a reason your not competitive on a vrs? The lad on phone was very very good and actually said he was a bit embarrassed to quote me. £54 to cancel yours.

Thanks Dan.

VWFS/VW UK will be the registered keeper, you are the long term driver of the vehicle. As mentioned you won't even see a V5 over the next couple of years. Shouldn't make too much, if any difference through most insurers.

A registration document (V5) is not proof of ownership. 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. 

He is the person responsible for the vehicle so far as official communications from the police/DVLA etc., but the owner is the person who put up the cash (or was given it as a gift).

The DVLA make a point of saying that the person named on the registration document is not necessarily the owner. 

This is particularly true with a company car which is owned by the company, however the registration document should show the registered keeper, i.e. the day to day user (this may be an employee who has it as a permanent perk with his/her job). 

In the case of a car used by a married couple, ownership of any property is usually classed as joint and if the husband was stopped driving the vehicle without insurance the police would probably accept that he was joint owner and not look to the wife for additional offences, such as owner permitting no insurance.

A registered keeper will usually be regarded as responsible for parking tickets etc so it would be wise to have the registration document changed if you are the owner, but not the user/keeper. There might also be some circumstances where you would be deemed as being the owner of the vehicle for an insurance offence, e.g. if you are permitting someone to use the vehicle knowing full well it is not insured or roadworthy.

Most insurance companies insist that the person who they insure is the primary user of the vehicle and can specify that the person is the registered keeper. It is up to them who they will or will not insure.

Il be getting mine soon, on a pch, my insurers(more than)informed me that as it is contracted for over a year,they wont insure for up to a year

Il be getting mine soon, on a pch, my insurers(more than)informed me that as it is contracted for over a year,they wont insure for up to a year

Poor?

i think you will have the v5 as you need it for other things like number plate transfer and parking permits

i think you will have the v5 as you need it for other things like number plate transfer and parking permits

If the car is on a pch agreement you won't get the v5.

It's not yours to have. The car is not your property.

You don't get a v5 if you go into enterprise or hertz and hire a car for the weekend. It's no different, you're just hiring it for longer

If the car is on a pch agreement you won't get the v5.

It's not yours to have. The car is not your property.

You don't get a v5 if you go into enterprise or hertz and hire a car for the weekend. It's no different, you're just hiring it for longer

i disagree my mate has an amrock on vw lease and has the v5 he needed it to fit his private plate

Halifax won't cover you unless you're the registered keeper. I'm struggling.

Vwfs are the registered keeper on the v5 you'll never see it.

Any fines or parking tickets will be sent to them. They will pay them and invoice you, which is something I don't agree with as I may wish to contest any fine or ticket should I ever receive any.

Maybe parking tickets (which are now controlled by local authorities and not the police) but they surely can't do that for fixed penalties such as speeding tickets or red lights etc - they have a legal obligation to notify who was the driver (or, as they won't know this, the current keeper) to the police. The police would then resend the paperwork to that person who again would have to identify who the driver was at the relevant time....

 

I would agree with you that if they are defaulting to paying parking tickets and then billing you this is out of order and doesn't allow the innocent motorist to appeal a wrongly issued ticket.

i disagree my mate has an amrock on vw lease and has the v5 he needed it to fit his private plate

That is very much the exception rather than the rule. The majority of leasers will not get the V5, even if they request it. Most lease companies will charge you a fee to transfer your private reg onto their car.

Halifax won't cover you unless you're the registered keeper. I'm struggling.

but you are the registered keep just not the registered owner.

but you are the registered keep just not the registered owner.

The majority of lease companies put themselves as the registered keeper

This has been discussed on a few forums I use, and in the main, most people who had leased reported this way of registration.

Maybe parking tickets (which are now controlled by local authorities and not the police) but they surely can't do that for fixed penalties such as speeding tickets or red lights etc - they have a legal obligation to notify who was the driver (or, as they won't know this, the current keeper) to the police. The police would then resend the paperwork to that person who again would have to identify who the driver was at the relevant time....

I would agree with you that if they are defaulting to paying parking tickets and then billing you this is out of order and doesn't allow the innocent motorist to appeal a wrongly issued ticket.

Yes under s172 of the road traffic act the police would write to them and inform them of the ticket which would then say if you weren't the driver inform us who is. Theyd return it with my details and I would then get the fine.

They can't just pay that and invoice me as I have the option to contest and go to court if I choose.

But there's nothing to stop them doing it for parking tickets (not all tickets are under the control of local authority. Police can still issue for obstruction and other offences) or congestion charges.

They charge an 'admin fee' for doing so aswell, so what might be a simple £30 ticket becomes much more expensive due to their admin fee.

i disagree my mate has an amrock on vw lease and has the v5 he needed it to fit his private plate

vW finance will transfer your plate, costs 50quid admin fee,vw finance will need to be assigned nominee,

I'm still suitably confused.

I'm going to go with I'm the keeper and the lease company are the owner.