Honda Jazz SE - Insuring a car bought with PCP

Honest John Back Room » Legal matters
View Threaded
Fri 26 Feb 2016 13:31
Honda Jazz SE - Insuring a car bought with PCP - SamG
I am buying a Honda Jazz using PCP Personal Contract Purchase.

Insurance are asking if I am registered keeper and registered owner. This is a little confusing.

Am I the registered keeper only but not the registered owner ?

I have asked around and I am getting various opinions regarding this but surely with the amount of cars financed via PCP deals these days then it should be quite clear.

It would be great if I could get some clarification for this as I want to avoid any issues in the unlikely event of a claim.

Thanks
Reply | Report as offensive | Link
Fri 26 Feb 2016 13:59
Honda Jazz SE - Insuring a car bought with PCP - RT

AFAIK there's no such thing as registered owner - the registered keeper is whoever is on the V5C.

PCP/HP doesn't make a difference in this case - the finance company registers a financial interest, which would show on HPI checks.

Tell your insurers that it's on finance, that's all they should need.

Reply | Report as offensive | Link
Fri 26 Feb 2016 15:34
Honda Jazz SE - Insuring a car bought with PCP - slkfanboy

Important point you are the registered keep and the pcp company are the owner.

Reply | Report as offensive | Link
Fri 26 Feb 2016 15:50
Honda Jazz SE - Insuring a car bought with PCP - Palcouk

The person on the log book is not neccessarily the legal owner

You simply tell the insurance that you are the owner and the vehicle is on finance (if they ask)

Reply | Report as offensive | Link

A guide to how much VED you will need to pay on your car.

Road Tax Bands and Rates

From economical vans to those that have the largest payloads, we have a shortlist for everyone - click to find out which will suit your needs.

Undecided on which van to buy? Our Top 10 shortlists can help...