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Is the owner of the car the policy holider or is the policy holder whose name is on the log book of the car?

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mickyj 30 May 2010

I have a car in finance in my name but my mum is main driver and uses it most. As the finance is is my name and I am the owner, does that make me registered keeper?

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gices 02 Jun 2010

The registered keeper will be the person whose name appear in the log book/registraton certificate. The policyholder is the main driver which in your case is your mum. You are the legal owner of the car as the finance is in your name. However the registered keeper could be either your mum or yourself; chances are that your mum is the registered keeper because many insurers will not quote you if the policyholder is not the registered keeper of the car. To confirm this though, all you have to do is check the log book and the name which is stated on there is the registered keeper. For more information, see the article on registered keeper/policyholder/legal owner to understand the differences.