WonkoTheSaneUK
Prominent Member
- Joined
- Aug 2, 2022
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- Location
- North Wales
- Driving
- MG4 Trophy LR
Yay! Around £10 less than my Zoe was for this year.LV are now providing quotes for the MG4.

Yay! Around £10 less than my Zoe was for this year.LV are now providing quotes for the MG4.
yes and that's the cheapest quote I've had so far...LV are now providing quotes for the MG4.
But there is no such thing as a registered owner - just a register of keepers. There is no ownership register.Well, just received a reply from Aviva, and I quote:
".......I can see that Personal Contract Purchase (PCP) agreement, the lending company remains the owner of the car....."
".....I can confirm that we can only insure a vehicle that the registered owner is the Policyholder, Spouse or Private Lease"
Well, up yours then Aviva, I'll just have to find out if it's actually possible for me to insure this car with one of your competitors then and transfer my business that I've had with you since your inception
I have emailed them with my thoughts..........
@siteguru Thanks for the reply.
By all accounts, I'll be the registered keeper, but the finance company own the car until the balloon payment has been settled. In the case of a bank loan, then the money has been loaned to you and, presumably, has no link to the car. HP is another grey area, are you hiring the car from the finance company whilst repaying them, therefore they would be the legal owner until the final payment?
I'd love to speak to the insurer, but unfortunately Aviva are one of those companies that hides behind chatbots, automated phonelines and no-win questions (like when was the car registered, do you own the car etc.) I have come to the conclusion that there is not a single human being on their payroll
@WonkoTheSaneUK Aviva just have a drop down menu for owner options, and as I mention above, I can't get any indication from them how to explain the circumstances.
I've sent an email to them, basically saying "Do you insure vehicles being purchased via PCP. If so - who's the owner then? If the answer is no, then bye bye
Same here and one of them was with Aviva!But there is no such thing as a registered owner - just a register of keepers. There is no ownership register.
I think this is terminology confusion. I have had loads of PCP cars and always insured in my name.
Good idea. You definitely want it in your name (or whoever is the main driver).The problem is with all this is that it would simply take one phone call to a human being to sort out, but Aviva don't seem to want simplicity. It was quite obvious from the email response from their "customer support" that English wasn't the advisor's first language.
I may just go through Beam insurance, which is an AA owned broker, as they came out the cheapest on Compare the Market. At least they publish a phone number!!
Just in case anyone else is wondering about this:Good idea. You definitely want it in your name (or whoever is the main driver).