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Car insurance when unable to drive for medical reasons
Comments
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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).
But who is going to insure him if he has been ordered not to drive by the DVLA?The greater danger, for most of us, lies not in setting our aim too high and falling short; but in setting our aim too low and achieving our mark0 -
How does that work then?
Quite simple really, he has a policy in his name same as normal, however when it comes to the persons covered to drive he will be excluded. The wording will be similar to 'Persons entitiled to drive: any driver except Mr X XXXXXXXX'. It's not common, I have only seen it twice but it can be done. It may however be expensive, but it's an option for the OP to look into.0 -
A friend did it while he was banned for DD for 2 years. As long as he is not driving it didn't appear to be an issue because he was still the registered keeper of the car. That allowed his OH to continue to drive his car.But who is going to insure him if he has been ordered not to drive by the DVLA?IT Consultant in the utilities industry specialising in the retail electricity market.
4 Credit Card and 1 Loan PPI claims settled for £26k, 1 rejected (Opus).0 -
A friend did it while he was banned for DD for 2 years. As long as he is not driving it didn't appear to be an issue because he was still the registered keeper of the car. That allowed his OH to continue to drive his car.
As long as your 'friend' informed the insurance company he has disqualified from holding a licence, he did nothing wrong.0 -
Just like to add I agree with this. You can insure a car and be banned from driving it and have an additional driver insured to drive you around. It is your car so you insure it and the additional driver. If you are ever caught actually driving it then you'll be committing an offence of driving whilst disqualified which would invalidate any potential claim anyway.A friend did it while he was banned for DD for 2 years. As long as he is not driving it didn't appear to be an issue because he was still the registered keeper of the car. That allowed his OH to continue to drive his car.:footie:
Regular savers earn 6% interest (HSBC, First Direct, M&S) Loans cost 2.9% per year (Nationwide) = FREE money. 0 -
Just like to add I agree with this. You can insure a car and be banned from driving it and have an additional driver insured to drive you around. It is your car so you insure it and the additional driver. If you are ever caught actually driving it then you'll be committing an offence of driving whilst disqualified [STRIKE]which would invalidate any potential claim anyway[/STRIKE] and without insurance.
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Quite simple really, he has a policy in his name same as normal, however when it comes to the persons covered to drive he will be excluded. The wording will be similar to 'Persons entitiled to drive: any driver except Mr X XXXXXXXX'. It's not common, I have only seen it twice but it can be done. It may however be expensive, but it's an option for the OP to look into.
Think I shall phone the insurance people and see what they say!0 -
Insurance policy will say something like "Covers Mr. and Mrs. Bloggs, providing the driver is not disqualified from holding a licence"
They will happily take your husband's money and insure him to drive the car and they will only check if he has a claim while driving it. Obviously he isn't going to be driving it until he's well again so this will not be an issue for you.
Also, since you have another car in the household which you are insured on, consider getting classic car cover for the Mini anyway as you can truthfully say that you have access to another car and that said car is the main car you use.0 -
A friend did it while he was banned for DD for 2 years. As long as he is not driving it didn't appear to be an issue because he was still the registered keeper of the car. That allowed his OH to continue to drive his car.
But which insurance company was it and how much did they charge?The greater danger, for most of us, lies not in setting our aim too high and falling short; but in setting our aim too low and achieving our mark0 -
But who is going to insure him if he has been ordered not to drive by the DVLA?
But he hasn't; the OP says his doctor has told him not to drive. So it doesn't sound like he's sent his license back or the DVLA has put any restrictions in place.
So he can still own a car and insure it whilst building up no claims.0
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