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Car Insurance Dilemma!


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A friend of mine recently had a car accident and has been advised the car is a complete write off. The insurance policy is in her name, and her partner, who she lives with is a named driver. Her partner purchased the vehicle for her on finance and so is the registered owner, and at the time his details were down as being the registered keeper. She was under the impression that he had sent the V5 to DVLA to put her down as the registered keeper, as she is down as that on the insurance policy. Yet it would now seem no documents have come back from DVLA to state she is. Though when she rang her insurance to advise them of the accident she informed them that her partner was the registered keeper and nothing was said. Phone call I think was being recorded by the insurance company. It also would now seem that her partner cannot find the MOT certificate that came with the vehicle, although must have had this recently as the car was taxed up to the end of Oct 09. She is now concerned how this will affect the claim, as the insurance company have requested said documents.

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it doesnt matter that your partner is the reg keeper but you will have to get reg docs.

 

you should be able to get a replacement mot, if not they usually make a deduction from the total loss settlement for not having one (usually 10% of the value)

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thanks for the reply.

 

From pushing for more info it would seem her partner just never got round to sending off the V5 so that they have. The MOT is still a mystery, but like you say hopefully they should be able to get a copy, if not then they will have to take a reduction in what they are offered.

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