Cheap car insurance for Registered Keeper?

cc120

I already own a car fully, but made myself a registered keeper for a deceased relative's car, to drive until the completion of probate. I will shorn my car and just drive the relative's car. I paid tax and just used Martin's compare car insurance tool. The cheapest insurance was £700. Previously the relative paid only approx £300. Is there a cheaper alternative? I am about to look into multi-car insurance but as I explained will only be driving one car once I sort out insurance and add the car to my resident permit account.

Ayr_Rage

Did the relative leave you the car in a will and are you the executor of the estate ?

Do you actually have any right to drive the car ?

Do tell us how you propose to declare the ownership of the car to the insurer, it now belongs to the deceased's estate which could be a problem in the event of a claim.

Looks like a minefield to me, suggest your SORN that car and drive your own.

oldernonethewiser

When a relative died I as executor changed the details for their car and became the keeper then sold it. That money was added to the estate total. 

All very straightforward. 

prettyandfluffy

Is the car being left to you in the will? Do you have the executor's agreement to use the car? I would avoid using the car unless the answer to both of these questions is "yes".

Emmia

I don't understand why you've not just SORN'd the deceased relative's car, until it is sold and the money put into the estate - or is it a nicer / newer / more powerful car than your own? Are you much younger than the deceased? (Which might explain the higher premiums)

What happens if you are involved in an accident in the deceased relative's car? The mileage /wear and tear you're putting on will also devalue it (who is paying to service the car etc.?)