Ford Mondeo - Car insurance claim - legal advice

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Thu 15 Aug 2013 16:46
Ford Mondeo - Car insurance claim - legal advice - tanny123

Hi,

I am the main driver on an insurance policy for my car. I have recently met with an accident (which was my fault) for which I will be filing a claim with the insurance company.

A detail on my proposal document has caused me concern that my insurance might be rendered invalid – and hence I am looking for advice regarding the same.

I have recently moved to a new house and hence wanted to change my address on V5c document before filing the claim. I realised the V5c document in not on my name and on my husband’s name instead. Even though my husband is a named driver on the car’s insurance policy, the proposal document for the insurance policy lists ‘Proposer’ as the ‘Vehicle Registered to’ section.

Now I am quite worried. Will this make our claim complicated or even rejected? My husband and I were married and living in the same address at the time of applying for this insurance – would that make me a joint ‘keeper’ of the car legally speaking? Should we change the name on V5c document to my name while we are changing the address on it now anyway?

Any advice would be much appreciated.

Thanks

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Sat 17 Aug 2013 07:22
Ford Mondeo - Car insurance claim - legal advice - Dwight Van Driver

Seeing no comments here is my 2 peneth

I would presume that you are named as 'Policy Holder' on the Certificate of Insurance for I have never heard as 'named as Vehicle registered' as such.

If named as PH then there is little to worry about IMHO.

At the end of the day tizz twicks thee and the Insurance Co..... may luck be with you.

dvd

Edited by Dwight Van Driver on 17/08/2013 at 07:23

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Sat 17 Aug 2013 07:34
Ford Mondeo - Car insurance claim - legal advice - Armitage Shanks {p}

Adding to DVD's informed comment here is my uninformed one. I have never heard of a "Joint Keeper". That doesn't mean there isn't such a person but SFAIK there is only ever one name, or Company name, on a V5.

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