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Old 12-07-2009, 07:45 AM
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Default Point of law

Right its about this Suzuki CS50 I've bought the wife.

The original papers haven't come through yet (6 weeks wait - if the previous owners have posted them yet), and they will be in my name, but I wont be the primary rider - the wife will be.

Now to get tax it needs to be insured (MOT is done) but it will be insured in the wifes name (as legaly its the primary rider who's name it has to be insured in). So if the bike is in my name and the insurance in the wifes, can I still get tax and be legal?
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Old 12-07-2009, 07:57 AM
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I think there is a question about being the legal owner of the bike when it comes to insurance? In law your wife won't be.
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Old 12-07-2009, 08:23 AM
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If the bike is registered in your name then you are the "registered keeper".

It don't say anything about driving.


And yes you are right the insurance should be in the name of the main driver (rider).

the names do not have to be the same. Hope this helps
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Old 12-07-2009, 08:53 AM
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Your insurance company will ask who the registered keeper is, and if its not the main rider, there will be a surcharge. Why not just get the V5 changed to your wifes name?
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Old 12-07-2009, 12:41 PM
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I was the registered keeper of my sons car & bike (stops baillifs from snatching them). He insured them with no problem or surcharge and was not asked if he was the keeper....
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Old 12-07-2009, 02:27 PM
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Some insurers will have a problem with different main rider / driver to registred keeper but others will not even ask or care. I think there might be an issue if it came to a claim with getting your money for a loss, they might well decide at that point that the insured party has suffered no loss and refuse to pay out. Any apparent annomally will be an excuse to dodge paying out, especially if the insurer were that bunch of absolute Wankers at Bennetts, who are crap
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Old 12-07-2009, 06:47 PM
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Why not try and tax it online when you get the insurance sorted - computer can only say no....
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Old 12-07-2009, 07:35 PM
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Quote:
Originally Posted by matthewmosse View Post
Some insurers will have a problem with different main rider / driver to registred keeper but others will not even ask or care. I think there might be an issue if it came to a claim with getting your money for a loss, they might well decide at that point that the insured party has suffered no loss and refuse to pay out. Any apparent annomally will be an excuse to dodge paying out, especially if the insurer were that bunch of absolute Wankers at Bennetts, who are crap
He was unlucky enough to have both stolen within months of each other (we think the bike was stolen by his landladies boyfriend) and the only trouble he had was they claimed the car was worth less than the outstanding payments and wanted him to pay the rest of the year. Guess what his answer was.... Answers on the back of a postcard to...!
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Old 12-07-2009, 07:58 PM
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Register it in your name and then insure it. The Registered Keeper is not necessarily the legal owner* but it does save an awful lot of time and aggro when dealing with your insurance broker.



* a small but very important bit of law that the plod always seem to ignore when they want to bust someone for speeding etc.
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Old 13-07-2009, 08:12 AM
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You will be able to get insured but it will be cost more if the main rider isn't the registered owner of the bike. In the view of the insurance company because the person being insured doesn't own the bike they have less incentive not to claim (i.e. they will not endure any loss because the bike isn't theirs). There's a letter in this weeks MCN about someone trying to get insured on their mate's bike which explains this better than I can.
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Old 16-07-2009, 06:57 AM
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We're still waiting for the V5 to come through (from the DVLA via the post office), as soon as it does then I'm changing it over to the wife, untill then we still need to tax and use it.
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Old 16-07-2009, 07:12 AM
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Worth calling lynbrooke insurance by the way, they let me put together a policy where all my bikes and my other halfs are coverd for either of us to ride, and it was cheaper than insureing my other half on her own I think it's because the policy price is based oon the biggest bike being the main risk and the premiums / risk for a big bm sidecar are lower than those for newer /smaller bikes
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Old 16-07-2009, 07:22 AM
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Why not insure it your self then have your wife as a named rider, we must be talking a minimal amount financialy.
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Old 16-07-2009, 08:00 AM
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Quote:
Originally Posted by gothtec View Post
We're still waiting for the V5 to come through (from the DVLA via the post office), as soon as it does then I'm changing it over to the wife, untill then we still need to tax and use it.
I'd have just phoned the DVLA directly. In my experience, they're fine to deal with and it saves so much time and hassle going direct. All you're doing going through the post office is creating another blockage!
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