Main user and named driver question .

poet123

According to a police forum,the police take the view that if the policyholder dies the policy is still valid if the driver is a named one. Presumably, they have some legal basis for this view. However,it would bei nteresting to have thi s point confirmed by the OP

Ian_W

Just to add to the mix -
don't let's forget that the FSA in a regulatory capacity requires insurers to "Treat Customers Fairly". Even if the insurers have complied strictly with general insurance law and their contract with the insured they still have to be fair to their customers.
Hastings were recently fined the thick end of a million quid for arbitrarily cancelling a number of mis-quoted policies despite being able to do so under the strict terms of their contract with them when the FSA ruled the manner of cancellation unreasonable.

Anyone think it could be remotely described as "fair" to void a policy or decline a claim where the policyholder died at a time when the insurers were not contactable and a rated named driver used the vehicle?