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Wrong Keeper Declared - Insurance Invalid?
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Villager
 


Member Since: 05 Jan 2018
Location: Southampton
Posts: 101

United Kingdom 2010 Discovery 4 3.0 TDV6 HSE Auto Stornoway GreyDiscovery 4
Wrong Keeper Declared - Insurance Invalid?

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 
Post #234077129th Jun 2023 6:07 pm
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Asa
 


Member Since: 03 Jul 2016
Location: Essex
Posts: 173

United Kingdom 2006 Discovery 3 TDV6 HSE Auto Zermatt SilverDiscovery 3

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/ Very Happy be an issue if divorced recently!
  
Post #234077229th Jun 2023 6:21 pm
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Brian Considine
 


Member Since: 05 Dec 2022
Location: Nr Margate
Posts: 281

United Kingdom 

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.
  
Post #234077329th Jun 2023 6:27 pm
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Oxford-boy
 


Member Since: 07 Sep 2015
Location: Oxford
Posts: 1085

United Kingdom 2014 Discovery 4 3.0 SDV6 XXV LE Auto Causeway GreyDiscovery 4

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 
 
Post #234077429th Jun 2023 6:28 pm
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Villager
 


Member Since: 05 Jan 2018
Location: Southampton
Posts: 101

United Kingdom 2010 Discovery 4 3.0 TDV6 HSE Auto Stornoway GreyDiscovery 4

Different surnames, but married for 14 years.
  
Post #234077629th Jun 2023 6:38 pm
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Oxford-boy
 


Member Since: 07 Sep 2015
Location: Oxford
Posts: 1085

United Kingdom 2014 Discovery 4 3.0 SDV6 XXV LE Auto Causeway GreyDiscovery 4

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...

Thumbs Up
 Jim

2014 Discovery 4 XXV SDV6 Causeway Grey
2016 Discovery 4 HSE Lux SDV6 Loire Blue - now gone 
 
Post #234077729th Jun 2023 6:44 pm
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Journeyman
 


Member Since: 27 Sep 2020
Location: Hampshire
Posts: 269

United Kingdom 2008 Discovery 3 TDV6 HSE Auto Stornoway GreyDiscovery 3

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 
 
Post #234078329th Jun 2023 7:32 pm
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Motolab
 


Member Since: 18 Oct 2019
Location: Sleen
Posts: 1820

Netherlands 2006 Discovery 3 TDV6 HSE Auto Zambezi SilverDiscovery 3

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 Wink
 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. Wink 
 
Post #234079029th Jun 2023 8:46 pm
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Villager
 


Member Since: 05 Jan 2018
Location: Southampton
Posts: 101

United Kingdom 2010 Discovery 4 3.0 TDV6 HSE Auto Stornoway GreyDiscovery 4

Good advice 👍
  
Post #234079129th Jun 2023 9:01 pm
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CDS
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Member Since: 12 Oct 2009
Location: All over the UK!
Posts: 3330

United Kingdom 2008 Discovery 3 TDV6 HSE Auto Tangiers OrangeDiscovery 3

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
 
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Post #234079629th Jun 2023 10:34 pm
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M3DPO
 


Member Since: 22 Sep 2010
Location: Notts.
Posts: 8154

England 2014 Discovery 4 3.0 SDV6 HSE Lux Auto Corris GreyDiscovery 4

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. 
 
Post #234081430th Jun 2023 7:45 am
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Trailered Movements
 


Member Since: 16 Jan 2020
Location: East/West Sussex Coast Borders
Posts: 1200

United Kingdom 2011 Discovery 4 3.0 SDV6 Commercial Auto Sumatra BlackDiscovery 4

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) 
 
Post #234082030th Jun 2023 8:51 am
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Adamshq
 


Member Since: 06 Feb 2024
Location: Newcastle
Posts: 2

United Kingdom 

Hi villager

What happened with this? As unfortunately I’m in a similar situarion
  
Post #23612286th Feb 2024 10:06 pm
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NJSS
 


Member Since: 06 May 2009
Location: Catherington, Hampshire.
Posts: 10610

United Kingdom 2016 Discovery 4 3.0 SDV6 Landmark LE Auto Waitomo GreyDiscovery 4

Welcome Adamshq Thumbs Up

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
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none Electric or H2 fuel cell - yet.
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Post #23612316th Feb 2024 10:14 pm
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Villager
 


Member Since: 05 Jan 2018
Location: Southampton
Posts: 101

United Kingdom 2010 Discovery 4 3.0 TDV6 HSE Auto Stornoway GreyDiscovery 4

They never said anything and paid out in full.
  
Post #23612336th Feb 2024 11:15 pm
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