Still insured?

ickypot

I am named driver on my husbands policy, he lost his licence, am I still insured?

DoaM

Have the insurance company cancelled his policy? If not then you're still insured.

DoaM

Why not check the vehicle's insurance status on AskMID?

ickypot

They haven't cancelled his policy no, but we haven't told them about it yet...

born_again

This will make you main driver then.
Better tell them.

twhitehousescat

 he lost his licence, 

you checked down back of setee ?

Herzlos

He'll need to update his status with them, as mentioned he's no longer the main driver (but can still be the keeper).
You're probably best cancelling his insurance policy (since you don't want them to cancel it) and then arrange a policy for yourself, which may be with a different insurance company. You may get the current one to honour your NCD as a named driver though, so it's worth checking with them first.

shaun_from_Africa

I'm sure that the smallprint of your husband's policy will state something such as this:

You must tell us straight away if anything changes to the information you provided as per the statement of insurance. The changes include the following and if you do not tell us about these changes, this may result in increased premiums, refusal of a claim or not being fully paid, your policy being cancelled or being made null & void and treated as if it never existed.

Anyone who drives the car passes their driving test or has their driving licence revoked. 

Anyone who drives the car gets a motoring conviction or has a prosecution pending (including fixed penalty offences).

and by not telling them and driving the vehicle, you are risking being prosecuted for driving with no insurance, your husband being prosecuted for permitting you to drive with no insurance and should you be involved in an accident, becoming liable for all of the costs involved.

Car_54

shaun_from_Africa said:

I'm sure that the smallprint of your husband's policy will state something such as this:

You must tell us straight away if anything changes to the information you provided as per the statement of insurance. The changes include the following and if you do not tell us about these changes, this may result in increased premiums, refusal of a claim or not being fully paid, your policy being cancelled or being made null & void and treated as if it never existed.

Anyone who drives the car passes their driving test or has their driving licence revoked. 

Anyone who drives the car gets a motoring conviction or has a prosecution pending (including fixed penalty offences).

and by not telling them and driving the vehicle, you are risking being prosecuted for driving with no insurance, your husband being prosecuted for permitting you to drive with no insurance and should you be involved in an accident, becoming liable for all of the costs involved.

The insurer cannot avoid its obligations to third parties, so no criminal prosecutions are possible.

452

Car_54 said:

shaun_from_Africa said:

I'm sure that the smallprint of your husband's policy will state something such as this:

You must tell us straight away if anything changes to the information you provided as per the statement of insurance. The changes include the following and if you do not tell us about these changes, this may result in increased premiums, refusal of a claim or not being fully paid, your policy being cancelled or being made null & void and treated as if it never existed.

Anyone who drives the car passes their driving test or has their driving licence revoked. 

Anyone who drives the car gets a motoring conviction or has a prosecution pending (including fixed penalty offences).

and by not telling them and driving the vehicle, you are risking being prosecuted for driving with no insurance, your husband being prosecuted for permitting you to drive with no insurance and should you be involved in an accident, becoming liable for all of the costs involved.

The insurer cannot avoid its obligations to third parties, so no criminal prosecutions are possible.

Are you sure that's correct?

If your car was stolen tonight and involved in an accident where the driver of that car was at fault then who would pay the innocent party?

Herzlos

The insurer will meet its legal obligations and pay the 3rd party, then reclaim it from the policyholder with the voided insurance. There was a thread on here about a guy who hit a bike and his insurance company was taking him to court for £300k.

The driver (assuming it's not stolen) would still be breaking the law and still be open to a charge of driving without insurance.