When renewing your insurance policy, or looking for another insurance provider, you will be asked to confirm if you are the registered keeper of the vehicle and if you will be the policy holder too. It’s important to note that the registered keeper is not necessarily the legal owner of the van.
Whilst the legal owner of the van could be the individual or company who purchased the van (and hence has a legally enforceable claim to the van), the registered keeper is the individual who the DVLA has registered as being responsible for licensing the van, taxing the van, doing the MOT, keeping the vehicle in good repair or where appropriate, declaring it off the road. The registered keeper is indentified in section 5 of the Registration Certificate of the vehicle (the van log book). In the instance of any motoring offences (or indeed parking tickets), it is the registered keeper, if different from the legal owner, who will be contacted by the police.
When you are providing details for your insurers for the van insurance policy, it is important to understand the difference between the Registered Keeper and Legal Owner, and provide accurate details to ensure you do not invalidate your policy.
