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Cheers for the detailed answer. All sounds a bit of a ballache so I'll probably just go with the visitor permits for the moment (£3.50 a day rather than ~ £120 a year annoyingly) and leaving it at the MIL's mainly.
We wouldn't make any insurance claims for damage/theft whilst it is parked (it's a 2002 punto so not the most valuable) so hopefully that shouldn't arise but I take your point.
aggi-
Where do you live? It's worth investigating as many free to park places locally and what times they're free.
£3.50/day isn't wallet busting, but it's still something. If you can work out a 5-10 minute round trip that lets you park for free, then you can reserve spending money for when it's pissing it down outside and you can't face the trip to go get the car from where you stashed it.
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Not to be rude, it is a 02 punto, I'd be more worried that it doesn't meet ULEZ . Is the parking fee emissions based?
So authority got wise to that one. I'd speak to the insurance broker and as a hypothetical question.
NurseHolliday
lynx
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.