Why does my insurance company require my V5C two years running?

Last year I received a letter from my insurer threatening to cancel my policy if I failed to send them a copy of my V5C within seven days. I complied and asked for a confirmation. I did not get any further correspondence. However, this year I got a similar letter and failed to reply within the time. Very quickly I was told of the cancellation and I immediately phoned and since then I have spent a great deal of time recovering my insurance cover. My policy runs until October. Are you aware of this procedure?

Asked on 23 March 2013 by BJ, Ross-on Wye

Answered by Honest John

They want it to make sure that you are the registered keeper of the car, which you might not be if you bought it via a broker who pre-registered it to someone else. But to ask for the V5C two years running seems nuts to me. And a breach of contract or "utmost good faith" because if they had your V5C from last year it would not have changed at all.

Tags: registration insurance v5c

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