Motor insurance after bereavement

Miss_Liquorice

Hi all, looking for some advice after the sudden bereavement of my dad in a motorbike accident.

He had two cars and two motorbikes, which will need to be sold however at the moment there is too much going on, and I need to maximise the sale price for my mum who is disabled and can't drive. I just need to get them insured so we can deal with them later, they are all now my mum's as sole beneficiary. I'm assuming as my mum is blind she can't insure them as a non driver? As no claims can be moved between spouses this would be easiest but I'm guessing not possible.

I recently sold my car, so have one no claims bonus I could use to insure one of them. Do I have any options for insuring the other that won't be insanely expensive? I think my dad got some NCB mirrored when he bought the second car but haven't found much info on this.

The motorbikes are powerful ones, so I'm not sure if I can insure them without a proper biking licence. The bike he was on, is with the police so we don't know how damaged it is, it isn't being used, and they have duty of care for fire or theft while it's in their hands. The policy is up for renewal soon. Do I need to renew the insurance for this to make the claim on the current policy, or can I let this lapse and we can still claim for damage (I suspect it might be a write off but I don't know)

Sorry, lots of complicated questions!

Alderbank

Do you want to insure them for you to use, or are they stored off-road in a secure garage and you just want fire and theft protection?

Miss_Liquorice

The bikes are in a garage, the cars are on a driveway. We don't really want to use them, but will need to get them on the road in the process of selling them (test drives if selling privately, or getting them to a dealer if selling to trade).

comeandgo

  Commiseration for your loss.  

Have you contacted the insurers?  When my dad died his insurance company allowed his insurance to stand for 4 weeks to give us time to sell his car.  My mum did not drive so the policy was name changed to me at no extra cost.

Nearlyold

Sorry for your loss. Are the bikes and or the cars in anyway "Classic" or just ordinary modern ones?

Miss_Liquorice

Nearlyold said:

Sorry for your loss. Are the bikes and or the cars in anyway "Classic" or just ordinary modern ones?

Thank you. One is a classic and the other is brand new, less than a year old.

Miss_Liquorice

comeandgo said:

  Commiseration for your loss.  

Have you contacted the insurers?  When my dad died his insurance company allowed his insurance to stand for 4 weeks to give us time to sell his car.  My mum did not drive so the policy was name changed to me at no extra cost.

We have, unfortunately the time isn't going to be long enough unless we sell them to one of the quick buy places. My dad did everything at home so we are swimming in paperwork which my mum can't see to do, and I have a young family, full time job, and my own physical disability to manage.

Nearlyold

Miss_Liquorice said:

Nearlyold said:

Sorry for your loss. Are the bikes and or the cars in anyway "Classic" or just ordinary modern ones?

Thank you. One is a classic and the other is brand new, less than a year old.

You should be able to get "Laid Up Fire and Theft cover" designed for bikes/cars that are not being used on the road. Our neighbour lost his Dad recently, his Dad had quite a few vehicles (bikes and cars) in his collection some classic some modern and they were sent to auction,  "Bonhams" for the bikes. Lot easier than dealing with punters coming to your mums and then worrying if they're honest or whether they're going to ride/drive off on a "test run" never to be seen again.

SiliconChip

For the new bike I would ask the dealer where it was bought if they would consider re-buying it, they probably wouldn't need to road test it (especially if they serviced it) but even if they did they could probably use their own insurance. They might even look at the classic bike and make an offer on that if it's a desireable one.

chrisw

Miss_Liquorice said:

comeandgo said:

  Commiseration for your loss.  

Have you contacted the insurers?  When my dad died his insurance company allowed his insurance to stand for 4 weeks to give us time to sell his car.  My mum did not drive so the policy was name changed to me at no extra cost.

We have, unfortunately the time isn't going to be long enough unless we sell them to one of the quick buy places.

In light of the circumstances and the amount of other stuff you have going on, I'd be tempted to just sell them to one of the 'quick buy' places - we buy any car, Motorway, etc.

Sometimes they give a fairly decent price and even if it's a couple of hundred short than what you might get privately, it could save you a load of hassle.

TELLIT01

If the vehicles are all stored off the road, get SORN's for them all.