I agree with Ttasky about transferring ownership.
My experience, and Lee of this parish can agree or not, 2 years ago was buying a bike for my son and when I tried to insure it for him it was too expensive, so I then tried to insure it in my name, and they all asked if I was the registered keeper. When I said no (cos I had sent the v5 off in my boys name), no-one would take it any further.
I got round the problem by changing the v5 to my name and buying him the virago.
Car related, but I am the registered keeper of a vw beetle, but my wife is the main driver
she is the registered keeper of a honda civic, but I am the main driver