Mortgage free in Forever Home :-)

Cheery_Daff

Gosh, sounds like you are getting right on top of maintenance things! Glad FIL is coming home, good idea to ask him about his list and make some good memories 😊

KajiKita

Cheery_Daff said:

Gosh, sounds like you are getting right on top of maintenance things! Glad FIL is coming home, good idea to ask him about his list and make some good memories 😊

The maintenance things have been building up in the run up to and across christmas, so it will be good to get them resolved ….
With FiL it will of course depend on what *he* wants 😊
Mr KK, atm, seems to be feeling a bit better - he slept properly last night which helped a lot. 

KK  

KajiKita

Giggleclear have accepted that we have no signal, have opened a case and are going back to the installation contractor. Feels like a crumb of progress 😊

KK

KajiKita

Giggleclear tried to send an engineer on Monday, but it’s an all day appointment, Mr KK needs to go out and earn and I can’t work from home on Monday as I have my annual PDA on Monday (far better done face to face I think). That has now been moved to a week today. Fingers crossed it works. 

Mr KK has completely dechristmassed the house including wrestling the tree out on his own! ❤️

Mr KK Senior has an appointment next Thursday for the results of his biopsies. We are assuming that will give us some sense of timescale ….

Feeling a bit flat - think it’s a combination of Januaryness and Mr KK Senior … 🤷‍♀️

‘Determined to push on this weekend though, with decluttering and gardening and I have my English student’s homework to review. 

Not tonight though. Tonight is lasagnes, veg, garlic bread, shower and bed.

KK

PS - Question for the hive mind ….

Mr KK’s mum is in her early 80’s and is still driving. Not far, but does the shopping in the local town, gets to the doctors / chemist, takes friends to chapel etc. She has only ever been a named driver on FiL’s policy so has no no-claims bonus. Will it even be possible for her to get driving insurance when FiL dies ….? Any advice on this would be much appreciated. 

beanielou

I would assume so. 

Though my mum was younger when my dad dies. 

Cheery_Daff

I don't see why she wouldn't be able to get insurance. When we moved here, I'd only ever been a named driver, and then we got another car, so I had to have my own policy. It was expensive the first year (about £900 I think, the car only cost £500!) but dropped very quickly to about £600 the following year, then £400, and now it's the same as the other car.

I wouldn't have thought her age would be an issue - if there's no medical reason not to drive then there should be no problem. Maybe look at somewhere like Saga as a starting point? I've no experience with that side of things though.

South_coast

I can't imagine no insurer would quote, it just might be prohibitively expensive as she has no demonstrable proof of her level of risk. 

P.S. Now I want garlic bread 😋🙄

savingholmes

Hi KK

So sorry to hear about FIL. Love how positively you are both approaching it - but I'm sure there will be moments - extended times - where you / both / all need more support. Perhaps have a think about how you may be able to get that for you and others.

With MIL and car insurance - I'd be tempted to make a proactive call now to the insurance (or very soon after the biopsy results) as otherwise she could be immediately uninsured when the worst happens. It may be worth doing the switch earlier - particularly if FIL doesn't drive much - rather than it remaining as a grim reminder of the anniversary. I've found companies like Av**a and DL would take named driver years into consideration. You should be able to get proof of how long she's been a named driver on his policy and that should help.

redofromstart

Vague memories of all outlaw insurance being invalidated when my late, lovely and very much loved FIL shuffled off without any kind of plan in place despite his 12 month diagnosis.  I'm an advocate for sort it all while they are well enough to sign things

KajiKita

Thanks all, really useful and helpful feedback. I have passed it all onto Mr KK and he will talk more to his mum about how to approach it all and recommend a couple of providers to start with. He says thank you too.

@savingholmes, valid point about support later on. We will just have to surf the waves as they come in. I have told most of my ‘network’ (including you lovely lot ❤️) so hopefully they will ‘catch me’ if I start to wobble ….

KK