insurance for car, house and contents while going though probate

BooJewels

vickyholly said:

BooJewels said:

That's smashing @vickyholly - it sounded odd to me, as no insurer has ever asked me about probate and I've not seen it mentioned in policies etc.

One more you can tick off the list as sorted! 

Yes, the phone calls and paper work never end, but im thankful for it to keep my brain busy, Thanks again for your advice 

I know what you mean - I actually found it helpful to be kept busy and actually doing something.  I think I'm about 6 months ahead of you, so I've done the bulk of it now - which is leaving me feeling a bit aimless just now.   After I posted however, my own home insurance renewal docs arrived and whilst it was in my name, in the details it did have my husband's name as an additional policy holder.  So I've rung them and had it removed, but she also suggested I have someone else authorised on the account to call them in case of emergency, so I was able to add my [grown up] son - so it was worth the call for me too.

To add to what @Savvy_Sue said about the car - you can get what they call a 'laid up' policy for cars that are SORN'd  or otherwise off-road - in case of events like fire or theft, as she mentioned. I did that with my Dad's car after he went into care, as it was inside the garage and a fire might have taken half the house with it. I used a company called Adrian Flux as they do specialist motor policies of that type.   Luckily for us, someone approached us to buy it and arranged their own insurance before coming to look at it, as they were already sure they were going to buy it. 

I'd also endorse the idea of using a broker for anything a bit unusual or where you're having difficulty, I got the unoccupied property insurance through a local broker - their final price was much the same as I'd been quoted directly, but the endorsements and excess levels were much better in the details than I'd been able to get and suited the circumstances much better.

getmore4less

vickyholly said:

BooJewels said:

It's possible that the person you spoke to at Admiral misunderstood - I think the Probate process and what it actually is, is very widely misunderstood in general. 

Probate itself is a largely clerical process where the Government court look at the will and death certificate and the details and endorse that you do indeed have the right to take particular actions in respect of the estate.  It's a certificate of proof of authority - without which some processes can't happen.  For example, the estate property I'm just selling required it so that the legal people involved could see that I did in fact have the authority and right to sell it - that single sheet 'Grant of Probate' told them as much - as it was only granted after a court examined the documents and verified the details and said as much on paper.  I don't actually own the property and it isn't in my name, it will pass straight from my parents' names to the buyers' names.

Just rang Admiral, and it seems the girl did misunderstand, the guy i spoke to said i dont know why she has written some of the things. So i now have ibuilding and contents ns continuing  for the year in my husbands name,(cancelled the car ins), and when it comes to an end next jan itll be changed into my name. Thanks for your help

Also need to SORN it.
https://www.gov.uk/make-a-sorn
https://www.gov.uk/sorn-statutory-off-road-notification