Driving my dads car for 3 days

Tabby026

Hi, we are going to a wedding next Friday and my husband is going to need to drive my dads car for 3 days, as my dad has major heart problems. What is the easiest and quickest procedure to do this?

Any advice would be gratefully received.

Many thanks.

soolin

Tabby026 wrote: »

Hi, we are going to a wedding next Friday and my husband is going to need to drive my dads car for 3 days, as my dad has major heart problems. What is the easiest and quickest procedure to do this?

Any advice would be gratefully received.

Many thanks.

Get your dad to phone his insurers and add your husband for the necessary time. We have done this before, there is obviously a cost, but the car remains fully insured as per the original policy.

The only thing that made a difference to us was when we added a young driver with only a couple of years of holding his license, and they upped the excess on him.

We have also let someone drive the car who showed on their policy that they had the right to drive any other insured car that they did not own- but only TPFT, but I understand that few newer drivers have that on their policy.

Aretnap

If you mean in terms of insurance there are essentially 3 options

(1) get your dad to ask his insurance company to add your husband to his own policy as a temporary additional driver for those 3 days. Unless your hubby is very young or has a bad driving record there is likely to be little or no increase in the premium as a result - but there may be an admin fee of £25-50 for doing it.

(2) Get a short term policy for 3 days covering your hubby to drive your day's car. Google "short term car insurance". May work out cheaper than (1) if your day's insurers demand a large admin fee, and has the advantage that any claims won't affect your day's NCB.

(3) If your hubby has a policy of his own, check whether it allows him to drive other cars not owned by him. If so he can drive your day's car without paying anything, but be warned that it will be third party cover only, so if he drives it into a tree he'll be paying for the repairs himself (or having an awkward conversation with your dad).

blackshirtuk

https://www.tempcover.com/

don't know if they are cheap, but seems to be a relatively pain free way to get insurance,

atrixblue.-MFR-.

blackshirtuk wrote: »

https://www.tempcover.com/

don't know if they are cheap, but seems to be a relatively pain free way to get insurance,

how would that work if theres an existing insurance policy on the vehicle!


If your dad has insurance then call them up and ask them to insure him for a three day period. My sister did this for me at her wedding as I needed a car and she wouldn't need hers, so I borrowed hers, cost her £30 to put me on for the weekend.


if dad has mobility insurance, then theres a slight sticking point, in that your dad wont be able to insure your husband for his own personal use of a mobility car.


also if it is a mobility car then your husband wont be able to use his DOC extension on an existing policy for his own car as the vehicle is a lease vehicle essentially and his own policy wont cover that.


if its private car dad has insurance not mobility in anyway, your husband has no insurance then its easy to call the insurers and ask them to add as named driver for 3-4 days. and may work out cheaper than temp covers.

Nodding_Donkey

atrixblue.-MFR-. wrote: »

also if it is a mobility car then your husband wont be able to use his DOC extension on an existing policy for his own car as the vehicle is a lease vehicle essentially and his own policy wont cover that.

Why do you say that?

Aretnap

atrixblue.-MFR-. wrote: »

how would that work if theres an existing insurance policy on the vehicle!.

It would work by getting a second insurance policy for the vehicle. Obviously.

Aretnap

Nodding_Donkey wrote: »

Why do you say that?

A condition of the DOC cover will almost certainly be that the husband has the owner's permission to drive the car. If it's a lease car then day's not the owner and hubby would need permission from the lease company - who are very unlikely to grant it. Motability's terms and conditions, for one, specifically prohibit people from using their DOC cover to drive the car.

If it IS a Motability/lease car then there may also be problems with the short term policy option, depending on the terms of the lease, and adding husband to day's insurance may be the only option.

IamNotAllowedToUseMyName

It is simple to be added as a named driver. You usually get added, and you can either be added permanently or for a short time. There will be an admin fee and there will be premium to pay.

If you have a good driving record and are over 25 then the cost will be minimal.

Tabby026

Thanks for all your help and advice.