Short term insurance for parent's car

don9999

Not sure the best way to deal with this.

My FIL recently had a stroke. Clearly he no longer needs his car, so we have been tasked with selling it.
But the insurance runs out in a few days.

Do I:

• Renew his insurance with me and/or wife as named drivers
  (she was a named driver on existing policy) - he has full NCD, though not sure he is allowed to take out a policy as he is unfit to drive
• Take out new insurance in one of our names - though we each have our own cars so have no NCD to apply to a new car
• Add the car to one of our existing insurances for a short period - not even sure if this is possible
• Take out no insurance, and drive it third party under our own policy - though I think you HAVE to insure car by law
• Take out short-term insurance, though again, in whose name? And also when I looked at this before the costs were extortionate

We hope to sell it within the next few weeks, and will probably only do a handful of miles by then - plan to take it on 20-30 mile trips each week to keep it all in working order.


Any thoughts?

Paul_the_Painter

Advertise car for sale NOW, make sure it is reasonably priced to sell. Do not drive car once insurance runs out, worst case is a £50 fine for not continuously insuring car, just pay it. If someone wants to test drive the car after the insurance has run out, inform them that there is no insurance on the vehicle, and it is their look out if stopped. (Keep name and address in case it's caught on camera)
Alternatively contact a couple of local traders and see how much they'll give you.
Or go for a we buy any car type place and prepare to be fleeced.
Unsure why you would be considering having the car around for weeks and giving it a 20-30 mile "run". Just sell it

DUTR

Paul_the_Painter wrote: »

Advertise car for sale NOW, make sure it is reasonably priced to sell. Do not drive car once insurance runs out, worst case is a £50 fine for not continuously insuring car, just pay it. If someone wants to test drive the car after the insurance has run out, inform them that there is no insurance on the vehicle, and it is their look out if stopped. (Keep name and address in case it's caught on camera)
Alternatively contact a couple of local traders and see how much they'll give you.
Or go for a we buy any car type place and prepare to be fleeced.
Unsure why you would be considering having the car around for weeks and giving it a 20-30 mile "run". Just sell it

Good advice, although if the car is not insured and the seller allows someone to drive it who may not insured.... there maybe some law against doing that also

[Deleted User]

You can be done for allowing someone to drive it when you know it has no insurance. Try and sell it before the insurance runs out, sell it to a trader, or buy daily/weekly temp insurance if you have a cast iron buyer who wants to test drive first.

Nodding_Donkey

Speak to your insurance broker, I know this isn't an unusual situation and they may have an easy answer

da_rule

You can buy weekly/monthly insurance so that may be the way to go.

If you allow someone to drive and you know they're not insured then you commit an offence. Also, you would need to declare the vehicle SORN if the insurance runs out. And allowing a SORN vehicle to be driven on a road is also an offence.

Whilst most people will be able to drive a vehicle with third party insurance using their own car insurance, the car they are driving must have a valid insurance policy in place.

knightstyle

http://www.computerquoteinsurance.com/landing/index_m_4_1.php?referrer=GMON601D&campaign=PPC4&gclid=CNvSj_Torb0CFTTItAodjxwA_g
They say "Stop, start or cancel at any time with a Pay As You Go monthly instalment plan"