Sister's lent me her car

Cars / Motoring / Insurance
41

I can imagine their bemused look. Maybe it was the first time they stopped someone with complete innocence!

I saw two Harleys ‘ushered’ to the back of a service station by two vans and two bikes. Not nice! Before engines were switched off, the two Harleys were on the ground with panier contents thrown on the ground. No more than three minutes, the two hairy bikers were thrown into one of the vans that sped off…all very unceremonious! I made a mental note not to piss these guys off in the future :rofl:

I also saw from a distance a very darkened SUV at another service station being emptied, but decided not to venture closer :rofl:

42

It will be somewhere - try google: ‘EU resident driving foreign registered car’ and amidst the many entries saying no, the rule will be listed.

43

Have looked, can’t find it. Which is why I am wondering whether it is an urban myth.

44

An EC ruling that may be of interest:

Article 56 EC must be interpreted as meaning that it precludes legislation of a Member State which requires residents who have borrowed a vehicle registered in another Member State from a resident of that State to pay, on first use of that vehicle on the national road network, the full amount of a tax normally due on registration of a vehicle in the first Member State, without taking account of the duration of the use of that vehicle on that road network and without that person being able to invoke a right to exemption or reimbursement where that vehicle is neither intended to be used essentially in the first Member State on a permanent basis nor, in fact, used in that way.

However, UK HMRC state quite clearly that driving a vehicle registered in another country by a UK resident breaches UK taxation regulations.

Edited layout for clarity

4 Likes
45

Thanks you, that’s more useful!

Don’t care what happens in UK as return so rarely now and happy to insist other people drive me around!

46

Go to the top of the class that man! Make this a sticky somewhere… :star_struck:

1 Like
47

If that’s clear I don’t want to see obtuse. :rofl:

48

What if the sister leased the car to the OP ?

I’ve been pondering for a while what the situation would be if as France resident I leased a car in the UK (and used it in France). Possibly / probably there are restrictions on foreign use in the lease agreement?

Some of the monthly payments don’t seem too much - £300 odd / month fairly new car. Presumably 5K initial payment to factor in though.

As nobody here has mentioned leasing I’m assuming nobody has done it - curious though, is that because of not considering the option, or because it doesn’t work?

49

If you lease a car from the UK it remains the property of the leasing company - and registered in the UK - but the lessee will be the Registered Keeper as shown on the V5C.

However, only a UK resident can be a registered keeper of a UK registered car so I’m afraid that your cunning plan won’t work :wink:

50

Thats the inlaws in trouble right there.

51

Thanks. That leads me to the other thing I was pondering - what’s the situation when one is a cross border worker (frontalier) ? Resident in both countries and commuting?

Maybe that’s tax residency only though and if cross border worker probably deemed to be resident in the country of residence , not of work - I think I’ve answered my own question!

It’s just I do feel I can go out and buy a UK car tomorrow (when in the UK) - after all I have an address in the UK as well.

I don’t have a car yet, and do aim to get one - am still weighing up whether to buy in UK and import to France, or buy in France.

Hence my recent thoughts on UK leasing.

Edit - another scenario: former UK resident moves to France, keeps their UK house and UK car for use when they come to visit UK - they have to sell the car as they can no longer be it’s registered keeper?.. feels weird…

52

No. They can import it and immatriculate it in France and change to a French insurer.

53

It’s been a while since I leased but I don’t think that’s right. I’m pretty sure I didn’t have the V5C ( the lease company took care of the VED) and I also had to get a specific document to prove that I had permission to take the car abroad.

54

The situation I described is my precise experience the last time I leased a car in the UK.

55

My UK company cars were always leased. I was the keeper and when I took the car abroad, as the leasing co was the owner, I had to get a V75? form via Car Fleet Manager in the company. Not sure if company issued it as the lessee of the car, or if it was actually issued by the lessor ie Interleasing or the like.

But it was a cunning plan up until this point Larkswood :slight_smile: .

1 Like
56

As is mine :blush:

57

Thanks again. If they do not import the car to France then what might be the situation? Would they then have to sell the car or terminate the lease they have on it?

Would the UK insurance on the car be invalid? - remember they have the UK house which their insurance is registered at. Probably in the terms and conditions of the policy - do UK insurance policies state you must only be resident in the UK? (don’t have one so don’t know)

PS as you’re the only forumite responding at the moment, I’m hoping our exchanges are not seen as personal - would like to get some other opinion here forumites! :slight_smile:

Appreciate you engaging with me. I don’t think this is an academic question - surely there must be people who maintain cars / houses in different countries? e.g. George Clooney?

Cheers.

58

Ah well Karen, back to potatoes I think then…

59

Turnips, surely?

60

Yes, had sudden flash - turnips - you ‘beet’ me to it. My cunning plan to drive around in a Uk turnip thwarted because it was really a potato (or was it the other way round - ah well…)