Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Without going into exhaustive details about why, is it possible to have my car owned by my son, Registered Keeper my son (he lives with me and is 18, but doesn't drive) and me as driver?
Insurance company says no, just husband/wife, friends I've spoken to say yes. My thinking is that the owner/RK isn't always the driver.
Insurers are saying that my son would have to have insurance, and me as named driver, but insurance for him would of course be sky high.
They say I have no insurable interest if I don't own the car but I might want to protect myself against the damage I might do to his property (or someone else's).
I guess there could be an issue if there was damage to it when I wasn't using it i.e on the driveway, by an accident prone bailiff or something.
You may have guessed that I want to prevent bailiffs stealing it.
I see no reason why you can't insure the car in your name irrelavent of who the owner/RK.
I am the RK on all 3 of the cars in our household, but we have 3 seperate policies in the name of the main driver of each car (as required by the insurance companies anyway that it is insured in the name of the MAIN DRIVER) for me, my wife and our daughter.
Also, as far as I recall, when I owned a company and had my car recorded as a company car in terms of the DVLA RK, the insurance company wouldn't offer a "company car insurance" in the name of the company, so I insured it in my name, as they requested I do, even though they obviously knew "I" as a person didn't officially show at the DVLA as the RK.
Without going into exhaustive details about why, is it possible to have my car owned by my son, Registered Keeper my son (he lives with me and is 18, but doesn't drive) and me as driver?
You may have guessed that I want to prevent bailiffs stealing it.
If all you want to do is prevent the car being taken by bailiffs. then all that is required is incontrovertible documentation that your son is the owner.
The identity of the RK is totally irrelevant as it confers no rights of ownership.
As to insurance, it is possible to insure a car that you do not own - but only with some companies.
Your "insurable interest" is the liability that rests upon you for any third party claims.
If all you want to do is prevent the car being taken by bailiffs. then all that is required is incontrovertible documentation that your son is the owner.
Ok, that's interesting. I already have insurance by the way.
So if I changed ownership to my son, do I have to tell the insurers? Do I have to tell DVLA?
There is nothing on the V5C that gives an option for the RK to be different from the owner, they use seller/owner in brackets after RK, but we know that they are not necessarily the same.
I would ask DVLA, but they are closed now, and have been too busy to answer calls this afternoon. Considering how much money they pull in, I don't think that's acceptable.
The other option is to change it to company registration, my son is a partner, but I guess if the partnership just bought it, then the bailiffs can't take it as it is evidently a work vehicle. Last time around they wouldn't accept that it was, even though I could give a schedule of appointments over a period of the ensuing week that could only be fulfilled by car (late at night in various cities etc.) so I hired one, and have had to have a hire car ever since.
I've not let it go of course, but the case has taken almost 3 1/2 years, and nearly sent me round the bend. I would like to use my car now, but am still using a hire car as I can't afford to be going to an appointment and it not be there. Without warning. Again.
Is this a viable workaround?
if I don't own the car
but I might want to protect myself against the damage I might do to his property (or someone else's).
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Originally Posted by adamna
