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MarkM	posted on 5th Dec 14 at 22:07
	Fronting.
tmark938	posted on 5th Dec 14 at 17:19
	My step daughter has just passed her test and was quoted £2,000 for insurance! Is there any mileage in having me as the owner of the car and her as a named driver?
Ben G	posted on 5th Dec 14 at 16:08
	quote: Originally posted by Mike quote: Originally posted by Ben G The registered keeper doesn't have to be the legal owner. It says that on the front of the log book, so yes, put down that you own the car. Why would you say you own the car? It's the leasing company's car, they've just entered into an agreement to lend it to you. Also, I know with mine, I'm the registered keeper, it's registered at their address so they hold the V5 but it's my name that's on it. It seems the obvious way to me in terms of fines etc. being in the right name rather than the leasing company having to look up names to pass back to whoever issued the ticket. [Edited on 05-12-2014 by Mike] My insurance company asked who owns the car when I applied online. When I was getting quotes for the missus' car, I was messing around with the details and it worked out more expensive if i said she didn't own it. This was when we had a white fiesta which had my name on the log book but was her car. [Edited on 05-12-2014 by Ben G]
Munchie	posted on 5th Dec 14 at 09:23
	quote: Originally posted by baza31 Munchie do u happen to be getting this car from jct vw at bradford ? Golf r ? Yes mate why? And thanks for replies!
John	posted on 5th Dec 14 at 07:46
	Insurance normally want you to be the owner because then you have the financial interest in the car.
Mike	posted on 5th Dec 14 at 02:27
	quote: Originally posted by Ben G The registered keeper doesn't have to be the legal owner. It says that on the front of the log book, so yes, put down that you own the car. Why would you say you own the car? It's the leasing company's car, they've just entered into an agreement to lend it to you. Also, I know with mine, I'm the registered keeper, it's registered at their address so they hold the V5 but it's my name that's on it. It seems the obvious way to me in terms of fines etc. being in the right name rather than the leasing company having to look up names to pass back to whoever issued the ticket. [Edited on 05-12-2014 by Mike]
baza31	posted on 4th Dec 14 at 21:33
	Munchie do u happen to be getting this car from jct vw at bradford ? Golf r ?
Jambo	posted on 4th Dec 14 at 20:56
	Most leases do Ian.
Ian	posted on 4th Dec 14 at 13:28
	V5 isn't the owner. Does the lease include tax? Because you'll not get a reminder if its going somewhere else.
Colin	posted on 4th Dec 14 at 13:10
	If it's parked on my drive.....I own it!!
Jambo	posted on 3rd Dec 14 at 18:31
	I have a lease car and what Ben/Ed said. I've never even seen my V5
deano87	posted on 3rd Dec 14 at 17:29
	My insurance company said that as long as the lease agreement was in my name, that was all that mattered. Didn't mention the V5C. So unfortunately Tesco won't insure me if I did salary sacrifice and the lease in works name.
Munchie	posted on 3rd Dec 14 at 14:40
	Thanks men. Just saved me £300 haha
Ben G	posted on 3rd Dec 14 at 14:33
	Damn it, Ed! :lol:
Ben G	posted on 3rd Dec 14 at 14:32
	The registered keeper doesn't have to be the legal owner. It says that on the front of the log book, so yes, put down that you own the car.
ed	posted on 3rd Dec 14 at 14:31
	That doesn't sound right - the V5 doesn't tell you who owns the car, it tells you the keeper. You're the registered keeper of the vehicle which is what the insurance company will ask you and the car is remains the property of the finance company.
Munchie	posted on 3rd Dec 14 at 14:26
	Hi all, I have never leased a car before but got 1 on order for next year. Now, I sent an email to the dealership asking him for advice and here goes...... "Hi Ben, for insurance purposes, does the car come under my name on the V5 or will it be under VW leasing? Just so I can look into quotes as one of the questions is "do you own the vehicle" Cheers!" "His reply was The V5C will be in the name of Volkswagen financial services And you ‘Own’ the vehicle until it goes back to the finder Thanks" So.......when I try insurance quotes, what do I put the car down as? If I put that I own the car the quote is cheaper by a substantial amount!!