Car insurance and demise of holder

[Exige77]

Quick question.

Father in Law passed away yesterday.

He has a car insured in his name and has his son as "named driver".

After the policyholders demise is a named driver still insured ?.

Should the policy be immediately cancelled and a new one for the son started ?

Thanks

[Vaud]

I'm sure an expert will be along soon, but I'm pretty sure most policies terminate on the death of the policy holder.

Call the insurer, only they can give you a definitive position.

[MGZTV8]

Happened to me recently. I contacted the insurance company and the policy was transferred into the named drivers name until the vehicle was sold.

I am not an insurance expert at all and there will be some on here but this was personal experience.

The named driver was the executor of the estate so it may have been slightly different.

[Paul Dishman]

We faced this situation a couple of years ago when my mother died. I rang Direct Line and they said that they'd keep the policy going with the named drivers for a week/month/until expiry. I got a different answer with each phone call. They said that they wouldn't renew the policy, but I sold the car before the insurance expired so that didn't matter.

[3Dee]

Many Insurance Companies will keep the policy going if asked. We frequently have to make that request when we are dealing with probate, to make sure that the car does not become a loss to the estate should something happen to it, and to be able to move it around etc.

Just talk to the Policy issuer!

[Exige77]

Thanks All.

Policy is with More Than and they offer a 12 week grace period, after you have informed them of a death, for the named driver to get his own insurance or the vehicle is sold.

[speedking31]

Just be careful, if the named driver has his own policy on another vehicle, he may have answered "No" to a question like "Does the policyholder have a second vehicle." So other insurers might also have to be informed.