Villager
Member Since: 05 Jan 2018
Location: Southampton
Posts: 101
  
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| Wrong Keeper Declared - Insurance Invalid? |
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Hi all.
So our car was recently stolen from our drive. Insurer offered us a great settlement figure, but when they asked for the v5 I discovered that I had declared the car to be registered to me, when in fact it is registered to my wife (a named driver on the policy) - a stupid error, but an innocent one.
Could the Insurer refuse to pay out because of this? Should I try to change the registered keeper and get an updated v5 now?
Last edited by Villager on 29th Jun 2023 9:00 pm. Edited 1 time in total
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 29th Jun 2023 6:07 pm |
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Asa
Member Since: 03 Jul 2016
Location: Essex
Posts: 172
 
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Hi there the registration document only declares who is responsible for the vehicle not who owns it? Explain what has happened and Insurance companies know all the scams this doesn't sound like you are claiming fraudulently, just explain to the claims department as soon as possible. It may have been/  be an issue if divorced recently!
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| 29th Jun 2023 6:21 pm |
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Brian Considine
Member Since: 05 Dec 2022
Location: Nr Margate
Posts: 281
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Technically, when you insured the car & if the insurers asked "is the car registered in your name ?" and you said "yes" then it would be deemed a dishonest answer.
So yes, they would have a good reason to reject the claim.
Fingers crossed that they will simply view it as an honest mistake.
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| 29th Jun 2023 6:27 pm |
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Oxford-boy
Member Since: 07 Sep 2015
Location: Oxford
Posts: 1063
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Assuming your wife has the same surname as you I'd not see a problem, you were both insured on the vehicle. In marriage it could be 'argued' it matters not whose name is on the V5 it's the family car...
I'd just go ahead and claim and if asked explain... Jim
2014 Discovery 4 XXV SDV6 Causeway Grey
2016 Discovery 4 HSE Lux SDV6 Loire Blue - now gone
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| 29th Jun 2023 6:28 pm |
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Villager
Member Since: 05 Jan 2018
Location: Southampton
Posts: 101
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Different surnames, but married for 14 years.
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| 29th Jun 2023 6:38 pm |
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Oxford-boy
Member Since: 07 Sep 2015
Location: Oxford
Posts: 1063
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Probably not a problem given your wife is named on the policy..
Professional partners, in this case a woman, your wife frequently use maiden names etc, mine does.
Let us know how you get on...
 Jim
2014 Discovery 4 XXV SDV6 Causeway Grey
2016 Discovery 4 HSE Lux SDV6 Loire Blue - now gone
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| 29th Jun 2023 6:44 pm |
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Journeyman
Member Since: 27 Sep 2020
Location: Hampshire
Posts: 252
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Good luck Villager. I am no expert but my wife kept her maiden name when we married but she is a named driver . Cheers,
Jez
Discovery 3 HSE Stornaway Grey
MY 2008 2.7 TDV6
Discovery 2 2003 - gone
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| 29th Jun 2023 7:32 pm |
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Motolab
Member Since: 18 Oct 2019
Location: Sleen
Posts: 1815
 
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And REMOVE the insurance company name AND settlement figure out of your initial post above…
This is an public forum to read.. so “they” can….
Don’t “wake-up anybody  Best regards
Harold
Always looking for Pre '55's & Pre war British Motorcycles! knowing or having one for sale? PM please. I visit the UK 6 times a year
Ps. I edit my texts quite often, english is not my native language, so I will edit My “typo’s” etc.
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| 29th Jun 2023 8:46 pm |
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Villager
Member Since: 05 Jan 2018
Location: Southampton
Posts: 101
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Good advice 👍
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| 29th Jun 2023 9:01 pm |
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CDS
Site Sponsor
Member Since: 12 Oct 2009
Location: All over the UK!
Posts: 3324
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Most insurers don’t view it to be an issues day to day, Admiral do alter the policy if the vehicle is registered in a spouses name…specifically remove driving other vehicles 3rd party
Discovery 3/4 & RRS keys cut and programmed at your home or work
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| 29th Jun 2023 10:34 pm |
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M3DPO
Member Since: 22 Sep 2010
Location: Notts.
Posts: 8110
 
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Three weeks after taking out my insurance out with Mogul Insurance I received an aggressive email from my insurers saying they could not insure me and where going to terminate the policy in 3 days and I would be charged £58 for cancellation and a pro rater charge for the period I had been “insured” for, they stated they had found an undeclared statement with my wife, they stated the reason for the cancellation would not be recorded or passed on to other insurance companies.
She did have a car catch fire and burn out over 3years ago which was declared on the application, further enquiries by email to their representative gave the answer that I had not stated my wife lived at the same address as me and they could in fact insure me and my wife for another £48.
I had not ticked a box where the question was asked, I also found out that Mogul Insurance is owned by Axa.
Guess who I will not be insured with next year.[/b] It can when others can't,
It will when others won't,
It goes where others don't.
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| 30th Jun 2023 7:45 am |
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Trailered Movements
Member Since: 16 Jan 2020
Location: East/West Sussex Coast Borders
Posts: 1198
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It wasn't worth the trouble to argue the case, but a few years ago in order for my wife to be the policy holder, she had to be the registered keeper, however it is the owners responsibility to make sure the vehicle is insured.
The issue has never come up again with different insurance companies, so make of that as you will.
One thing is for sure, any way to get out of paying up for a claim is standard practice for them.
Dave 2011 Discovery 4 Commercial SDV6 (Gone)
2010 RRS TDV8 (Gone)
1980 OBLIC 4.0ltr Range Rover (went a long time ago)
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| 30th Jun 2023 8:51 am |
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Adamshq
Member Since: 06 Feb 2024
Location: Newcastle
Posts: 2
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Hi villager
What happened with this? As unfortunately I’m in a similar situarion
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| 6th Feb 2024 10:06 pm |
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NJSS
Member Since: 06 May 2009
Location: Catherington, Hampshire.
Posts: 10502
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Welcome Adamshq
Hope your problem is quickly & easily resolved. Am I Gammon or Woke ? - I neither know nor care.
2016 Discovery 4 Landmark
2011 Mercedes Benz SL350 (R230)
1973 MG B GT V8 - 3.9L John Eales engine, 5 speed R380 gearbox, since 1975.
1959 MGA roadster - 1.9L Peter Burgess Engine - 5 speed gearbox
Past LRs - Multiple FFRs, Discos & a Series I - some petrol, some diesel,
none Electric or H2 fuel cell - yet.
There are 10 types of people in this world: Those who understand binary, and those who don’t.
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| 6th Feb 2024 10:14 pm |
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Villager
Member Since: 05 Jan 2018
Location: Southampton
Posts: 101
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They never said anything and paid out in full.
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| 6th Feb 2024 11:15 pm |
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