Originally Posted by
Shandy-Ade
What i mean is, say dad sells car to son, and makes out a receipt so now son owns car, but if the bailiffs look deeper and into the insurance policy and it says on their system, dad is the legal owner and insured only for said vehicle.
Or can they not dig deep into the insurance like that ?
Insured driver is not the legal owner. It doesn't even have to be registered keeper. You insure a vehicle as a driver and not as an owner.
I can take a policy out on my mates car that is uninsured then start using it. Neither do I own it or am I the registered keeper. I could then register it in my name if I started to use it more as a daily car, or just on a regular basis. Legal title still remains with my mate until sold (which could then be documented with reciepts to prove sale of title of goods).