Hi all,
My son is turning 17 this November. My neighbour's car has come up for sale, but she really wants to get rid of it ASAP as she has a new car lined up already.
I am happy to take the car now and insure it in my name in the interim three months between now and November, but when we notify the DVLA, can I register it to my son as a 16-year-old? Or will I have to register it to me now, and then change it to him in November (once he is 17) thus adding another owner onto its history.
Also, having leased my own cars for years now, I'm unsure about the difference between registered owner and registered keeper. If we notify the DVLA of the purchase, do we tell them about the owner and keeper separately? Basically I just want the car to be insured in the meantime, but want to avoid adding another owner onto the history if possible.
Maybe I could put my 16-year-old as the owner and myself as the keeper? Would that work for insurance purposes? And how do I notify the DVLA of this?
Thanks for any advice :)
Edited by lthompson on 29/08/2024 at 10:50
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Why would you want to insure it, do you plan parking it the road, if so then you'll need to tax it as well? Can't you park it off road and SORN it?
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Your son can be the Registered Keeper at 16 (or younger). There is no need to inform anyone who the owner is, and there is no register. It is fairly usual practice to obtain a receipt from the seller confirming that one is the new owner. There are plenty of examples online of a template receipt.
As above, you could SORN the car if you don't intend to drive it until November.
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We're are buying it literally from the next door neighbour. They hopefully have room to keep it on their driveway for him until November, and if so, it can be sorn, that's no problem. If they can't keep it on their driveway after all, then it will have to be kept in the road so will have to be taxed (and therefore registered at the DVLA).
Either way there's is an open driveway, we don't have a garage or anything to keep it in, so I'm a bit worried about it being completely uninsured until November. Obvs she will move her insurance to her new vehicle.
Also, if she wants the cash for it now, I would sooner the legal ownership/keeper be sorted when I pay her, so I still need to know whether I can register it to a 16-year-old at the DVLA.
Thanks.
Edited by lthompson on 29/08/2024 at 12:17
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I would sooner the legal ownership/keeper be sorted when I pay her, so I still need to know whether I can register it to a 16-year-old at the DVLA. Thanks.
I can see no reason why the boy cannot be a Registered Keeper on a V5. Problems only arise if he were to drive the car, meaning some form of insurance, which will cost if it is in his name, so he would best start as a named driver on someone else's policy.
Real problems could begin if the car was caught on camera resulting in a NIP, which would automatically go to the Reg.Keeper.
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Thanks, no definitely nobody will be driving it until he turns 17.
I just thought I would rather me insure it until then, in case it gets nicked off next doors driveway. That would be just my luck! Plus the yearly insurance for me is only about £150 so seems the sensible thing to do...
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If you don’t intend to drive it and are just concerned about it being stolen, could you just immobilise it somehow? Take a wheel off or disconnect the battery?
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Plus the yearly insurance for me is only about £150 so seems the sensible thing to do...
the car should be insured for the main driver, if you aren't going to be that then you would be "fronting" which is illegal.
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Plus the yearly insurance for me is only about £150 so seems the sensible thing to do...
the car should be insured for the main driver, if you aren't going to be that then you would be "fronting" which is illegal.
It wouldn't be fronting if nobody was driving the car. The insurance would need to be changed to the main driver once the OP's son started to learn though.
Personally, if I was going to the expense of insuring the car, I'd tax it as well and use it once a week or so between now and November. Older cars which are left parked outside unused for extended periods of time have a habit of developing faults which weren't there when the car was being used regularly. Even if it just killed the battery, the cost of replacing that could well be more than a few months tax.
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Thanks, that's not a bad idea actually as it will only be about 2.5 months before he wants to use it himself. And yes, I know what fronting is, but I'm literally only thinking to insure it in case of theft, but yeah, it might be a good idea to run it around the block occasionally. Just to confirm, my insurance on it will be cancelled as soon as he turns 17. I have no interest in using his car for illegal gains.Thanks :)
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"Older cars which are left parked outside unused for extended periods of time have a habit of developing faults which weren't there when the car was being used regularly."
My elderly Focus sits for two or three weeks without being used and seems to have developed more problems recently compared to when I used it most days. Last Autumn the immobiliser started playing up, then a rocker cover oil leak. Both fixed and maybe just the car getting old of course.
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You can drive at 16 if you would qualify for a Motability car ie receive PIP/DLA the the highest rate for mobility. It doesn't have to be a Motability car.
So I guess you can register one at 16 too.
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I suggest you do this backwards and find the cost of insuring it your son's name or if it work better as a named driver, if the car is owned by you.
Suggest you get the car serviced and the battery might drain down. Some cars can be sensitive batteries.
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