Car title legalities

[jorainbow]

Can anyone advise if it is illegal to have a car registered in someone's name but at a completely different address? I am asking as my partners step-daughter borrowed a car from him on long term loan. She has now changed the log book to her name (and if what her mum has said is true she was going to do it by forging his signature though possibly he has allowed this) but it is still registered to his home where she has never lived. I think this will be because it is in the country whilst she lives in a large city. Is he liable if anything happens whilst insured at his address or is the liability all placed with her? Thanks

[ostell]

Re: Car title legalities

You will find that the insurance will be void if it is found that the regular user is not at the address given to the insurance company.

[jorainbow]

Re: Car title legalities

Hi Ostell! Thanks that is what I thought may be the case. I hope she doesn't come a cropper with this but at 23 I am sure she knows she is doing wrong!

[des8]

Re: Car title legalities

The insurer's proposal form will ask for the proposer's address, and it is on this that the premium will be calculated.
The form will also ask if the vehicle is kept at the proposer's address, and if not, what is the address?

If the addresses are miles apart, they will then make further enquiries as to why and then decide whether or not to offer cover and at what price.

As Ostell warns, be untruthful and get caught and she is likely to have the policy voided.
It leaves her open to a criminal charge of fraud, as well as driving without insurance.

It is not difficult to get caught..... be involved in an accident (not necessarily her fault) and have to show her licence to the insurers and any non declared discrepancy will be picked up.

Also she should bear in mind that DVLA records also now carry insurance details

Also the guidance notes to completing a vehicle registration form state:
"Please use Section 6 of the Certificate to inform us of any changes to your
name, address, or both. You must also use this Section to tell us if you sell
or personally break up your vehicle. You are required by law to give us this
information"
Don't know what the penalties (if any) are for giving false info.

I suspect she regards herself as an honest person, but she might find out the expensive way that others regard her actions otherwise.

[jorainbow]

Re: Car title legalities

Thank you - I have mentioned this to my partner but he isn't interested. When the carw as on loan it was registered to him and she insured it at his address, now it is both registered and insured at his address but in her name. She lives 30 miles away. I feel I have done my best by advising him of the risk and as it is his step-daughter I hope he has the maturity to advise her the same. However as it is a sports car and she is so young I think the savings in insurance may be the most important thing here. Thanks both.

[MissFM]

Re: Car title legalities

Per Des8 (who knows his onions):

As Ostell warns, be untruthful and get caught and she is likely to have the policy voided.
It leaves her open to a criminal charge of fraud, as well as driving without insurance.

:scared::scared::scared: Hardly a saving!

[jorainbow]

Re: Car title legalities

Totally agree but I doubt she will listen to me!