Buying a new car and wrong name on registration form..
cqmman
I am buying a new car. Initially I requested that the car be in my
wife's name, but then found out that the Great Scam (tm), aka
insurance, is cheaper if it is in my name. So I called the dealer
twice requesting a change of name. Both times they said "fine, no
problem".
I am due to pick up the car on Monday but today received a letter
stating that the car will still be in my wife's name (well, something
close to it, but spelled incorrectly).
If they cannot/will not rectify this, where do I stand? I have paid
£1000 deposit. Can I refuse to pay the rest and demand the deposit
back? Or am I stuffed basically?
steve robinson
Basically your stuffed .
Wait until the registration document comes through , send it back
with a covering letter and they will change it .
cqmman
cqmman
wrote:
>
> Basically your stuffed .
>
> Wait until the registration document comes through , send it back
> with a covering letter and they will change it .
OK superb. Thanks for that. It isn't a big deal either way I suppose
but if they can't change it, I guess I need to get my insurance
changed, which will cost me some extortionate fee no doubt.. But in
the big scheme of things, less of a pain than losing £1000!
Cheers
Adrian
saying:
> I am buying a new car. Initially I requested that the car be in my
> wife's name, but then found out that the Great Scam (tm), aka insurance,
> is cheaper if it is in my name.
If it's registered in your name?
Or if you're the main driver?
Invisible Man
> Just to provide some more info, I paid by Visa Debit...
I don't think they'd be that keen on doing a charge back!
As matter of interest after I have haggled the price down I usually pay
a high deposit on a cashback credit card and the balance on collection
with a debit card. When a garage is desperate for a sale they seem to
forget about charging credit card fees on a deposit.
Last time I bought a car the debit card transaction failed somewhere in
the system and they didn't realise. So I had a car and a signed receipt
for a 5 figure sum I had not paid. I often wondered how long it would
have taken them to get the money out of me it I had chosen not to pay
voluntarily?
As it was I declined to go back to the the garage (inconvenient) and
paid the money by 2 BACS payments.
cqmman
My wife is the main driver. For some reason, it is still coming up
cheaper for the car to be registered in my name.. Insurance, go
figure.
John
>Hello,
>
>I am buying a new car. Initially I requested that the car be in my
>wife's name, but then found out that the Great Scam (tm), aka
>insurance, is cheaper if it is in my name. So I called the dealer
>twice requesting a change of name. Both times they said "fine, no
>problem".
>
Don't confuse ownership of the car with the main driver. If your wife
is the main driver, it must be insured in her name. Otherwise it won't
be the insurance company that is being the Scammer.
Invisible Man
Insurance companies charge on a number of things including their
statistical experience and how they want to balance their account.
Eg. if the are suddenly insuring a disproportionate number of high
performance cars or age group of driver they may adjust rates.
Adjustments can happen by the hour.
Bit of a lottery getting the best rate for the insurance you want. I
worked in the insurance industry for 36 years and completely fail to
understand how they come up with apparently random figures.
Last renewal:
I got a figure in the upper £200s for renewal.
I went on that company's website and got a figure well over £300 for
inferior cover.
I exchanged some emails and they rang me and offered to renew at a
little over £200 for good cover.
A lot like mobile phone contracts.
Lobster
Exactly the same thing happened to me; DVLA changed the registration
document with no problems.
For what it's worth, it's probably also worth mentioning in your
covering letter that when they change the name, not to clock up the
'number of former keepers' by 1 - otherwise when you come to sell the
car it won't be apparently "one owner from new". I did, and DVLA complied.
David
the Omrud
My insurance companies always ask if the insured person is the main
driver, but I'm not aware that there's any requirement for this to be
the case. You certainly need to tell them though.
--
David
Roland Perry
2011, the Omrud <usenet...@gmail.com> remarked:
>>> I am buying a new car. Initially I requested that the car be in my
>>> wife's name, but then found out that the Great Scam (tm), aka
>>> insurance, is cheaper if it is in my name. So I called the dealer
>>> twice requesting a change of name. Both times they said "fine, no
>>> problem".
>>>
>> Don't confuse ownership of the car with the main driver. If your wife
>> is the main driver, it must be insured in her name. Otherwise it won't
>> be the insurance company that is being the Scammer.
>
>My insurance companies always ask if the insured person is the main
>driver, but I'm not aware that there's any requirement for this to be
>the case. You certainly need to tell them though.
I agree, the "Policyholder" (aka "The Insured") is not necessarily the
same person as the "Registered Owner", nor the "Named drivers".
On my policies there doesn't appear to be a concept of "Main driver"
(separate from "named drivers" [only]).
There's a slight confusion in that the OP says insurance is cheaper if
"it is in my name". He appears to mean that it's cheaper if he's the
Registered owner, rather than cheaper if he's the Policyholder. Such
things could easily vary from company to company.
--
Roland Perry
Invisible Man
Somewhere in the schedule or renewal it usually says who is the main
user or that they should be advised if the policyholder is not the main
user.
For various reasons I am the main driver of my wife's car and she is the
main user of mine and uses it for business. It has been disclosed so no
problems
Many fleets are owned by leasing companies but insured by the company
that leases them and driven by various employees and sometimes family
members.
Roland Perry
Invisible Man <invi...@invalid.invalid> remarked:
>> There's a slight confusion in that the OP says insurance is cheaper if
>> "it is in my name". He appears to mean that it's cheaper if he's the
>> Registered owner, rather than cheaper if he's the Policyholder. Such
>> things could easily vary from company to company.
>
>Somewhere in the schedule or renewal it usually says who is the main
>user or that they should be advised if the policyholder is not the main
>user.
Neither of mine do, but that's only one (two?) datapoint(s).
--
Roland Perry
Lobster
There are certainly some insurance companies who decline to offer cover
if there are mismatches between "Keeper" (ie name on the registration
doc) "Owner" and "Main User" when this is declared - in the past I've
put my details in to those screenscraper websites where this has been
the case, and several of the targeted insurance companies have simply
come back with 'could/would not quote' or whatever.
David
Humbug
wrote:
Neither of mine do either.
However, I have heard it said (in this NG?) that some insurers insist
that the insurance must be in the name of the registered keeper.
--
Humbug
Alex Heney
wrote:
>In message <iq304m$9c5$1...@news.albasani.net>, at 09:35:02 on Sat, 7 May
>2011, the Omrud <usenet...@gmail.com> remarked:
>>>> I am buying a new car. Initially I requested that the car be in my
>>>> wife's name, but then found out that the Great Scam (tm), aka
>>>> insurance, is cheaper if it is in my name. So I called the dealer
>>>> twice requesting a change of name. Both times they said "fine, no
>>>> problem".
>>>>
>>> Don't confuse ownership of the car with the main driver. If your wife
>>> is the main driver, it must be insured in her name. Otherwise it won't
>>> be the insurance company that is being the Scammer.
>>
>>My insurance companies always ask if the insured person is the main
>>driver, but I'm not aware that there's any requirement for this to be
>>the case. You certainly need to tell them though.
>
>I agree, the "Policyholder" (aka "The Insured") is not necessarily the
>same person as the "Registered Owner", nor the "Named drivers".
>
>On my policies there doesn't appear to be a concept of "Main driver"
>(separate from "named drivers" [only]).
>
We have a similar situation.
Both cars are insured in my wife's name, for historical reasons, but I
am the main driver of one.
When looking for quotes, I specified that I was the main driver of
that one, but there is no indication on any of the policy documents as
to who is the main driver.
--
Alex Heney, Global Villager
Megabyte: A nine course dinner.
To reply by email, my address is alexATheneyDOTplusDOTcom
Roland Perry
Mon, 9 May 2011, Alex Heney <m...@privacy.net> remarked:
>>On my policies there doesn't appear to be a concept of "Main driver"
>>(separate from "named drivers" [only]).
>
>We have a similar situation.
>
>Both cars are insured in my wife's name, for historical reasons, but I
>am the main driver of one.
Our cars are insured in the name of whichever of us it was picked up the
phone to the insurance company. As for ownership and driving, we don't
think of cars as "his and hers" they both "ours"; but that may be
coloured by working from home, so neither car is committed long term to
a commute by one or the other person.
--
Roland Perry