Driving a car belonging to the deceased.

FinanciallyPerplexed

When my father died, the CIS gave me a temporary insurance for a few weeks.

I hadn't thought of that. Were the CIS your father's insurer?

And did you deal with them directly? Difficult to do nowadays when the quote procedure involves a website with no way of discussing 'off piste' requirements.

TonyMMM

Ring the insurance company - they will probably be quite helpful.

bouncydog1

When my mother in law died, my husband called the insurers and the insurance was changed to !!!8220;the executor of the estate of Mrs xyz!!!8221;. This was the day after death and before probate etc. Insurers also took instructions to add a couple of drivers to the policy. One of your children should ring the insurer and discuss.

Savvy_Sue

If struggling with the insurance company, ring a broker.

Yorkshireman99

Sound advice. The problem is that the executors have left the car uninsured on the highway with months. The insures are unlikely to be imp
ressed by that.

FinanciallyPerplexed

The car was insured in my wife's name over the months while she was ill.

I did try her insurer - but all they wanted to do was cancel her policy. They offered me a quote but it was way over the odds.

Yorkshireman99

FinanciallyPerplexed wrote: »

The car was insured in my wife's name over the months while she was ill.

I did try her insurer - but all they wanted to do was cancel her policy. They offered me a quote but it was way over the odds.

I am sorry to say that does not alter the facts. From what you have said the car has been left on the public road since October without insurance. I insurance will automaticly have lapsed upon death. You have been offered a solution that is to chance the egistered keeper to your name and insure it. You will need to tell the insurance company the facts. The longer the car remains there the greater the risk of the plice finding out and seizing it along with prosecuting the executors. The best you can do to help is to act tomorrow.

FinanciallyPerplexed

No. The car was left on a public road, insured by my wife. See where you've quoted.

Naturally I do understand that the cover lapsed with her death - see the very concern I expressed in my OP - and my solution will be as I outlined: I'll be insuring it tomorrow and confirmation isn't an issue.

The only thing that remains is tax. Oy. Can we find the V5C? There will apparently be a delay of up to 4 weeks getting a replacement. I think for that one I'll just have to trow myself on the mercy of the DVLA to overlook the period between telling them of her death and our getting the V5C and re-taxing.

Why does life have to be so complicated?!!!!

Yorkshireman99

FinanciallyPerplexed wrote: »

No. The car was left on a public road, insured by my wife. See where you've quoted.

Naturally I do understand that the cover lapsed with her death - see the very concern I expressed in my OP - and my solution will be as I outlined: I'll be insuring it tomorrow and confirmation isn't an issue.

The only thing that remains is tax. Oy. Can we find the V5C? There will apparently be a delay of up to 4 weeks getting a replacement. I think for that one I'll just have to trow myself on the mercy of the DVLA to overlook the period between telling them of her death and our getting the V5C and re-taxing.

Why does life have to be so complicated?!!!!

Unless I misread it you said the car had been on the road since your wife died and that you had not insured it. AIUI car insurance lapses upon the death of the policyholder. Have I misunderstood what you said?

FinanciallyPerplexed

Slightly, perhaps

The car was still insured between October and January. It has been on the road and uninsured since my wife died in January.

This is the problem I'm trying to solve. I...just hadn't got around to worrying about it. But what's done is done. The insurance will be sorted tomorrow, when I insure it on the basis that my children agree to sell it to me. Which they can - even before confirmation.

I'm now thinking much of it has been a bit of a non-problem - barring the outstanding tax issue and not knowing where my wife put the V5C.