One for the Motor Insurance People
Discussion
My Mother has driven for most of her life. Her renewal is due in a monthish
My Brother can and does drive, he is insured as an additional driver on Mother's car. However he does not own a car and has not had his own insurance for the past 15-20 years
All good.
The parents live out in the country in a small village with no village shop. No buses. A car is essential
Unfortunately, Mother is in or approaching the terminal stage of advanced pancreatic cancer and isn't driving any longer due to a combination of drugs and cancer.
My Brother has been absolutely superb, essentially moving into parents house and looking after them during the lockdown. He needs to be able to drive the car to the shops etc
My initial thoughts is that he is going to have to insure the car in his own name as he will be the main driver. She continuing to insure as main driver would bring up the possibility of fronting I suspect - allbeit not deliberately per se.
But he has no interest in the car - is that relevant?
Whats the best way forward here?
Transfer the car to him and then insure as his car, with her as additional driver to bring the premiums down (maybe). She can still drive, but has chosen not to (and would be a damn fool to do so). She has not given up her license though.
Thoughts?
My Brother can and does drive, he is insured as an additional driver on Mother's car. However he does not own a car and has not had his own insurance for the past 15-20 years
All good.
The parents live out in the country in a small village with no village shop. No buses. A car is essential
Unfortunately, Mother is in or approaching the terminal stage of advanced pancreatic cancer and isn't driving any longer due to a combination of drugs and cancer.
My Brother has been absolutely superb, essentially moving into parents house and looking after them during the lockdown. He needs to be able to drive the car to the shops etc
My initial thoughts is that he is going to have to insure the car in his own name as he will be the main driver. She continuing to insure as main driver would bring up the possibility of fronting I suspect - allbeit not deliberately per se.
But he has no interest in the car - is that relevant?
Whats the best way forward here?
Transfer the car to him and then insure as his car, with her as additional driver to bring the premiums down (maybe). She can still drive, but has chosen not to (and would be a damn fool to do so). She has not given up her license though.
Thoughts?
I'm not an expert but most insurers allow you to select one of the drivers as the main driver,
So your mother could still be policyholder (and car owner/keeper) and be a driver on the policy, with your brother as the main driver.
That way, you can be sure you're being completely honest with who is using the car (most) of the time.
So, assuming it's being done online, use your mother's details to set the policy up as usual, add your brother as an additional driver - then it usually asks you to select who is the main driver.
Whether this works out cheaper or easier to set up than everything being in your brother's name, I don't know
So your mother could still be policyholder (and car owner/keeper) and be a driver on the policy, with your brother as the main driver.
That way, you can be sure you're being completely honest with who is using the car (most) of the time.
So, assuming it's being done online, use your mother's details to set the policy up as usual, add your brother as an additional driver - then it usually asks you to select who is the main driver.
Whether this works out cheaper or easier to set up than everything being in your brother's name, I don't know
Insure in her name with him as a named driver. You can declare him as the main driver if he's doing the bulk of it.
Or, if it's unlikely she's going to drive it again anyway and no-one in the family minds him having the car in his name, then change the registered keeper on the V5 to him and he sets up insurance in his name.
Either works.
Or, if it's unlikely she's going to drive it again anyway and no-one in the family minds him having the car in his name, then change the registered keeper on the V5 to him and he sets up insurance in his name.
Either works.
Pegscratch said:
Call the insurer, explain the situation. It would be a dark day indeed that they even elected to pass any modest increase in premium on. A lot of organisations have some fairly "generous" policies around people dealing with terminal illness.
This, then you can't go wrongI wouldn't do anything at all, just carry on. Assuming your mum is 70+ and your brother 40+, the fact that he has become the main user as she is ill is no big deal. It wouldn't even occur to 95% of the population to advise insurers, and insurers won't really care in these circumstances if he has a claim and the truth comes to light.
If your mum was in her 40s and your brother a teenager, then that's fronting, and then it would be an issue.
If your mum was in her 40s and your brother a teenager, then that's fronting, and then it would be an issue.
TwigtheWonderkid said:
I wouldn't do anything at all, just carry on. Assuming your mum is 70+ and your brother 40+, the fact that he has become the main user as she is ill is no big deal. It wouldn't even occur to 95% of the population to advise insurers, and insurers won't really care in these circumstances if he has a claim and the truth comes to light.
If your mum was in her 40s and your brother a teenager, then that's fronting, and then it would be an issue.
This is the case.If your mum was in her 40s and your brother a teenager, then that's fronting, and then it would be an issue.
80+ and 50+
NugentS said:
TwigtheWonderkid said:
I wouldn't do anything at all, just carry on. Assuming your mum is 70+ and your brother 40+, the fact that he has become the main user as she is ill is no big deal. It wouldn't even occur to 95% of the population to advise insurers, and insurers won't really care in these circumstances if he has a claim and the truth comes to light.
If your mum was in her 40s and your brother a teenager, then that's fronting, and then it would be an issue.
This is the case.If your mum was in her 40s and your brother a teenager, then that's fronting, and then it would be an issue.
80+ and 50+
I suspect, as rates start to rise as you get older, the insurance might even be cheaper for your brother than it is for your mum, so there's no fraudulent intent. I doubt your brother and mum are sitting around at night chuckling about how they've managed to put one over on the insurance industry!
Don't even bother telling the insurers, it's a complete non issue. No one expects someone in their 50s who is going to look after his terminally ill mum to even consider the insurance implications, beyond making sure you're covered under the policy as a named driver. The insurance company just won't care.
Just as followup.
Mother died last Sunday leaving the current run insurance about 2 weeks or so to run.
Broker has spoken to the insurance company who have agreed that the current insurance can continue with brother driving but that he must insure himself following those two weeks.
Death was expected and she went downhill fairly quickly.
Sean
Mother died last Sunday leaving the current run insurance about 2 weeks or so to run.
Broker has spoken to the insurance company who have agreed that the current insurance can continue with brother driving but that he must insure himself following those two weeks.
Death was expected and she went downhill fairly quickly.
Sean
NugentS said:
Just as followup.
Mother died last Sunday leaving the current run insurance about 2 weeks or so to run.
Broker has spoken to the insurance company who have agreed that the current insurance can continue with brother driving but that he must insure himself following those two weeks.
Death was expected and she went downhill fairly quickly.
Sean
My condolences. Glad that insurance is not one more issue that needs to be sorted at this difficult time.Mother died last Sunday leaving the current run insurance about 2 weeks or so to run.
Broker has spoken to the insurance company who have agreed that the current insurance can continue with brother driving but that he must insure himself following those two weeks.
Death was expected and she went downhill fairly quickly.
Sean
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