Non-drivers insurance policy

pinkstars

My partner recently passed away and I have to sell his car. In the meantime the tax and insurance are due to expire and the MOT is due next month.

I can't drive (although I do have a provisional license) so how do I go about insuring the car?

I can't SORN it as it's on a public road so I've spoken to the DVLA and got the tax sorted.

Is there a specific insurance policy I can buy short-term until the car passes its MOT and is sold? 

Many thanks in advance

Sandtree

Sorry for your loss

Why not just insure it in your name? A provisional license means you can drive it even if you choose not to.

There are always specialist policies out there but because they aren't mass market they tend to be more expensive; the most common is laid up car insurance but that is only for SORNed vehicles.  If you really do want to look at a specialist policy then speak to a broker like Adrian Flux but I suspect insuring it for yourself as the driver will be cheaper.

Herzlos

Sorry for your loss.
You should be able to insure it yourself, but it may be a lot easier to just sell it to a car buying service (webuyanycar, cartakeback, local dealers, etc) before everything expires and avoid the extra hassle.

BOWFER

I'd speak to an insurance company.
Insurance is perfectly possible on a provisional licence, but it's not cheap and the fact you're not driving it means you'd be paying for cover you won't need.
All you're really looking for is fire and theft, you don't even need third party if it's not moving.

user1977

BOWFER said:

All you're really looking for is fire and theft, you don't even need third party if it's not moving.

Surely the minimum they need (by law) if it's on the road is third party? Thought that was the point of the continuous insurance requirement. 

Flight3287462

OP, what is the car worth (roughly) go on to webuyanycar and that will give a guide.  If it is low value why not just advertise or get it trailered down to webuyanycar.  Better still get a friend to help you sort it out.

If it is a newish car call some dealers.

Brie

I would suggest considering more than just third party in case someone wants to test drive - assuming it's a good enough quality car.  Halfords do "on the drive" MOTs in our area.  Might be good to check they do "on the road" ones too as that would eliminate one obstacle.  Of course a local garage might do the same.

I'm not sure there are short term insurance policies (likely but specialist too perhaps?) but there's nothing to stopping you get a full year and then cancel when the car is sold.  It may turn out to be cheaper in the long run due to being less specialist.  And that way you don't need to decide on a specific period which may put undue pressure on you to sell too cheaply.

Sandtree

BOWFER said:

I'd speak to an insurance company.
Insurance is perfectly possible on a provisional licence, but it's not cheap and the fact you're not driving it means you'd be paying for cover you won't need.
All you're really looking for is fire and theft, you don't even need third party if it's not moving.

Provisional drivers are not very expensive to insure when they are adults, adding my wife to my policy on an expensive 4.7L car whilst she had a provisional license added £5

The only thing they legally must have is third party because its being held on the road and so cannot be SORNed

Herzlos

BOWFER said:

Insurance is perfectly possible on a provisional licence, but it's not cheap and the fact you're not driving it means you'd be paying for cover you won't need.

Provisional insurance is really cheap because you need to be supervised by a driver with 2 years experience. It flies up as soon as the test is passed (and you can't drive home from the test centre on the provisional insurance).

pinkstars

Thanks for all your comments.

To sell it, Webuyanycar.com offered £1400, Autotrader said £2500, the cash is going into a trust fund for our son so I don't want to sell too cheaply.

To insure it, Directline insurance quoted £550.
Cheapest quote from moneysupermarket said £250.

AdrianC

£1,400 is cash in your hand (assuming the car is advertised correctly).
£2,500 is an advertised price, which requires you to spend £250+ on insurance, to spend money on taxing the car, to have the hassle of having people come round and test-drive the car then try to haggle...

Sometimes, it's not just about the money.