Car insurance when unable to drive for medical reasons

Bexm

Hi!

Ok, I'm looking for advice on car insurance.
Both my husband and I have a car and our own insurance and named on each others, recently he's been told not to drive by the doctor, but both our car insurances are up for renewal next month.

So I'm wondering what to do?
Can he have insurance under his name even though he won't be driving it with me as the main driver? Or do I have to insure both cars under my name? or am I not allowed to do this?

I'm confused? Any advice?

Bex

paddedjohn

Why would you want to insure both cars if your husband wont be driving?

Either sorn one of the vehicles (if its a short term ilness) or sell it and just insure the other for yourself.

Bexm

His car is the family car and mine just a little old mini which is too small and clattery for trips! I know it may be a good idea to take it off the road but I've only just got it on the road and I'd be so gutted to have to stop driving it completely!
I'm hoping he will be able to drive again at some point soon!

Plus doesn't the new law say cars have to be insured?

paddedjohn

insured or sorned

Flyboy152

Bexm wrote: »

Hi!

Ok, I'm looking for advice on car insurance.
Both my husband and I have a car and our own insurance and named on each others, recently he's been told not to drive by the doctor, but both our car insurances are up for renewal next month.

So I'm wondering what to do?
Can he have insurance under his name even though he won't be driving it with me as the main driver? Or do I have to insure both cars under my name? or am I not allowed to do this?

I'm confused? Any advice?

Bex

If he has been ordered by the doctor not to drive, he won't get cover for insurance.

Gloomendoom

If you take out insurance on his car, you may be able to take out a limited mileage or classic car policy on your Mini.

Classic policies are usually cheaper but they usually come with restrictions that might not work for you. It might need to be garaged overnight, for example.

You can have as many motor insurance policies in your name as you have cars. There is no limit that I am aware of.

spiro

Bexm wrote: »

I'm hoping he will be able to drive again at some point soon!

Define 'soon', weeks, months, years?

Bexm

thanks for your replies!
I will be insuring both then under my name!

I shall check out the classic policy for my mini!

Woody._2

Bexm wrote: »

thanks for your replies!
I will be insuring both then under my name!

I shall check out the classic policy for my mini!

Remember you will only have one lot of no claims bonus. It may be cheaper to use his no claims bonus for one of the policies and have in excluded from driving. It's not common but can be done.

Flyboy152

Woody. wrote: »

Remember you will only have one lot of no claims bonus. It may be cheaper to use his no claims bonus for one of the policies and have in excluded from driving. It's not common but can be done.

How does that work then?

spiro

Bexm wrote: »

thanks for your replies!
I will be insuring both then under my name!

I shall check out the classic policy for my mini!

Just leave it insured in his name, as long as he doesn't drive is doesn't matter that way he continues to have and accrue NCB. With husbands and wifes fronting is not an issue (so I'm lead to believe).