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It is easy to change the V5 to your address, but the knock on effect is that you will have to change the insurance to your name and your address. As it is, if your MIL is the main driver, it's most probably insured at her house, so you're technically fronting. If anything were to happen in the immediate future, I recommend not saying that you've been keeping it there and it was only at your house by coincidence. They still might expect you to pay the difference in premium between the 2 addresses as well as your excess if making a claim, or they might flat out deny it.
The council can check the DVLA database automatically, so when you apply for a resident's permit they'll be able to "see" that the name and address don't match and so will most likely deny you a permit.
If you want to be fully legit and also make it work with the council, change the V5 to your name and address, inform the insurance company you want to switch the name and address of main and additional drivers, then apply for resident's permit.
It used to be easier to break the rules back in the day, you just went into the council office, showed them a V5 with the name and address change section filled in, and then "forgot" to send the V5 to actually change the name and address. Once you had a permit once, they didn't do any checks to renew it.
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Why not phone the broker and tell them.
Or you could just say you bought the car here is the new buyers section with proof of residence...
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NurseHolliday
lynx
@aggi
I share a car with my MIL as we both have pretty minimal mileage. With the current coronavirus shit and a baby on the way I've been using it more than normal and it's currently parked outside my flat as parking restrictions have been temporarily suspended.
Restrictions will be back soon though and visitor parking permits are pricey. I can't get a resident's parking permit though as it says I need the log book or V5C registered to my address.
How easy is it to change one of those and will it screw up the insurance or tax or anything (I'm currently the additional driver on the insurance)? Cheers