Can someone who can't drive insure a car?
Discussion
My mum is getting too old to drive, but the only car she is comfortable in is her Suzuki Wagon R. At the moment, her insurance is for all drivers, but with her as the main driver. When we visit, we drive her around in her car.
If she were to be declared blind (for example), would she still be able to get insurance, or does there always need to be a named main driver?
I know there will be humourous PHers who suggest going to a broker. I will be doing this, but I just want to know if anyone has any experience of the situation.
If she were to be declared blind (for example), would she still be able to get insurance, or does there always need to be a named main driver?
I know there will be humourous PHers who suggest going to a broker. I will be doing this, but I just want to know if anyone has any experience of the situation.
can't see any insurance company covering that tbh.For a person to take out a insurance policy one of the initial key pieces of criteria is that "You (the proposer amd policyholder) hold a current driving licence amd are not prevented from holding one due to disqualification or medical reasons" or words to that effect. It will be in the original assumptions that you agree to on any online application and one of the first things you agree to in the T&Cs on a paper application
You will always be physically able to take one out and pay, whether it is held to be valid in the event of a claim is a whole different story, as you will be making a false declaration to get to the payment stage.
You will always be physically able to take one out and pay, whether it is held to be valid in the event of a claim is a whole different story, as you will be making a false declaration to get to the payment stage.
Jasandjules said:
Well, surely the main driver should be the person who mainly drives the car - otherwise it sounds a touch like fronting?
The point is that if she stops driving, there will not be a main driver, but there will be a main passenger.It would be next to impossible to decide who the main driver would be. She is ferried by neighbours, family and friends, but hardly ever drives herself - but it's always in her car.
pingu393 said:
The point is that if she stops driving, there will not be a main driver, but there will be a main passenger.
It would be next to impossible to decide who the main driver would be. She is ferried by neighbours, family and friends, but hardly ever drives herself - but it's always in her car.
But providing there was one lead driver, and named, who were roughly of equal risk and all was declared then an insurer would be happy? Key is probably to talk to a knowledgeable broker rather than try to do anything through a web pricing system. (apologies OP, but a good broker is probably your best bet)It would be next to impossible to decide who the main driver would be. She is ferried by neighbours, family and friends, but hardly ever drives herself - but it's always in her car.
Yes, you can have an insurance policy even if you do not hold a licence. It can't be done online, but will have to be done face to face, or thru a broker. Insurer will issue the policy either naming the people who will drive (which will not include the policyholder) or if it's an any driver policy, they will specifically exclude the policyholder.
It's not that common but is done. Aviva are one insurer who will do it.
It's not that common but is done. Aviva are one insurer who will do it.
pingu393 said:
My mum is getting too old to drive, but the only car she is comfortable in is her Suzuki Wagon R. At the moment, her insurance is for all drivers, but with her as the main driver. When we visit, we drive her around in her car.
If she were to be declared blind (for example), would she still be able to get insurance, or does there always need to be a named main driver?
I know there will be humourous PHers who suggest going to a broker. I will be doing this, but I just want to know if anyone has any experience of the situation.
Why not just drive her around in your car? That way she can save money on all the other motoring costs as well.If she were to be declared blind (for example), would she still be able to get insurance, or does there always need to be a named main driver?
I know there will be humourous PHers who suggest going to a broker. I will be doing this, but I just want to know if anyone has any experience of the situation.
Countdown said:
pingu393 said:
My mum is getting too old to drive, but the only car she is comfortable in is her Suzuki Wagon R. At the moment, her insurance is for all drivers, but with her as the main driver. When we visit, we drive her around in her car.
If she were to be declared blind (for example), would she still be able to get insurance, or does there always need to be a named main driver?
I know there will be humourous PHers who suggest going to a broker. I will be doing this, but I just want to know if anyone has any experience of the situation.
Why not just drive her around in your car? That way she can save money on all the other motoring costs as well.If she were to be declared blind (for example), would she still be able to get insurance, or does there always need to be a named main driver?
I know there will be humourous PHers who suggest going to a broker. I will be doing this, but I just want to know if anyone has any experience of the situation.
Vaud said:
LoonR1 will correct me if I am wrong but there is nothing stopping her continuing to own the car and be the registered keeper and have her main driver taking out a policy, providing everything is declared to the insurer?
I tried to insure MIL's unused car a few years ago and was told I couldn't as I had no insurable interest in the car.
Sheepshanks said:
I tried to insure MIL's unused car a few years ago and was told I couldn't as I had no insurable interest in the car.
Well that a load of b
ks. HP / PCP / lease etc you don't own the car but can insure it. Insurable Interest is massively overused as a phrase on this site.
LoonR1 said:
Just to clarify my initial answer was regarding the normal mainstream policies that we all usually buy. The others are correct that there may be some insurers who will offer cover on a more specific basis.
Just wondering why you gave a blanket "no", when the answer is "yes"? The OP didn't specify "the normal mainstream policies that we all usually buy".LoonR1 said:
Sheepshanks said:
I tried to insure MIL's unused car a few years ago and was told I couldn't as I had no insurable interest in the car.
Well that a load of bks. HP / PCP / lease etc you don't own the car but can insure it. But you often can't use online systems for getting insurance on a lease car as the assumptions are generally that you own the car and are the RK. I guess many people ignore this, or it never occurs to them that they don't own the car.
BertBert said:
Just wondering why you gave a blanket "no", when the answer is "yes"? The OP didn't specify "the normal mainstream policies that we all usually buy".
Because the majority of people are asking about the general stuff and want to buy the cheapest policy form the cheapest site. You're not going tonfind it there and reality is that the cost will often be more than getting a taxi everywhere. The specifics of the polocyholder the OP wants are quite niche. A lot of drivers, no idea who will drive it the most, car owned by his Mum. The reality is that the answer to every single question around insurance is "yes, if you're prepared to pay for it".
Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff