Car Insurance

gletley

My husband is 76 and is not going to renew his driving licence next month due to  medical a condition, AMD. Our car insurance has been in his name, with me as a named driver, can he still insure our car in his name, even without a driving licence, with me named as the only driver on it?. Churchill insurance says he can and has insured our car, but in my husbands name not mine?  Is the insurance legal on our car? Should the insurance be in my name, even as a first time driver I'm 66 and been driving since I was 21, Churchil says it will add some 'no clames bonus' when the insurance is put into my name next year?  Please can anyone advice me, I've looked on the DVLA and it says, you cannot insure a vehicle without a driving licence. What is the best course of action please?

Aretnap

If only someone with a driving licence could insure a car then it would be a major problem for the car hire industry, as last time I checked a company couldn't have a driving licence, and I doubt whether the chairman of Hertz wants the entire fleet insuring in his own name. (For all I know, he doesn't even have a licence)

So no, there's no reason at all why you need a driving licence to insure a car. Not all car insurance companies will allow it, which might have been what the person who wrote the DVLA website was clumsily trying to say. But the DVLA don't make the rules on car insurance - if you have explained the situation to Churchill and they are happy to keep your husband's policy running then the car is still insured.

gletley

Aretnap said:

If only someone with a driving licence could insure a car then it would be a major problem for the car hire industry, as last time I checked a company couldn't have a driving licence, and I doubt whether the chairman of Hertz wants the entire fleet insuring in his own name. (For all I know, he doesn't even have a licence)

So no, there's no reason at all why you need a driving licence to insure a car. Not all car insurance companies will allow it, which might have been what the person who wrote the DVLA website was clumsily trying to say. But the DVLA don't make the rules on car insurance - if you have explained the situation to Churchill and they are happy to keep your husband's policy running then the car is still insured.

I've contacted the insurance company and they are quite happy to have the insurance in my husbands name, but he has been excluded from driving any vehicle. I am the main driver of the car on the insurance and they have assured me that the nine years no claims bonus he has will be transfered to me next year. I also spoke to the DVLA as the statement online is confusing. The DVLA said, they are not interested if a driver is insured or not, I asked why put the statement on their websit then, the answer was, we don't know. Thank you for your help.

Flight3287462

OP why not change it to your name now if the are offering a decent NCB, by next year they may have changed their tune.  Strike whilst the iron is hot.

sheramber

That is similar to what happened when my husband died.

The policy continued in his name , as an executry, with me as the main driver, and then changed to my name when it was renewed 11 months later. They credited me with his NCB.