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I bought a car and insured it but the registered keeper lives at another address. The car has been stolen and the insurers want to know why it is not registered to me...
I bought a car which I insured as me being the main driver and a second driver. The second driver is the Registered Keeper living in a different address from mine. My car was stolen and I have made a claim to the insurance company.I have just received a letter from my insurers asking me to advise them why the vehicle was registered in the other driver's name and in a different address. Is there any legal implication if the registered keeper is not the policy holder or the owner of the car?
They probably think you are "fronting" which means that the person you are insuring is the de-facto main driver and not you, but they have factors (age or driving record) which would make them a worse risk than you are and thus the premium would be higher were they the main driver.
The reason this usually happens is when parents insure a vehicle for their children in an attempt to reduce premiums. The child may be the main or sole user and may be away at college.
If fronting is believed to be happening then the insurer may refuse to indemnify and at the very least is likely to demand payment of the difference between the premium actually paid and what would have been paid had the main driver been declared. This usually only happens in accident cases though. They tend to be less rigorous in theft cases.
Details of Fronting and the insurance industry's response can be found at the following web address:
http://news.bbc.co.uk/1/hi/programmes/moneybox/7052569.stm
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