Recently widowed mum - first time own policy

Hi everyone, I was wondering if anyone may be able to help with some advice? My dad recently dies, and my mum is now having to take out her first car insurance policy in her name. She is 79 and has always just been a named driver on my dad's policy, so has no no-claims bonus. I have just gone to get a quote and it is coming out really high, and wondered if there may be a way to reduce it by putting me as the policy holder (I have 10+ years no claims). However, I don't live with mum and although I do drive the car occasionally, she is the main driver. I also have a car of my own that I use my no claims discount for. Any advice or help on how to get a more manageable quote would be greatly appreciated. Thanks


  • molerat
    molerat Posts: 31,508
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    Has she gone to your father's insurer, they are often amenable to discounting to the named driver in these circumstances.
    If you take the policy you need to make it clear to the insurer that you are not the owner, keeper or main driver and with that information a policy will unlikely be cheap.
  • Slinky
    Slinky Posts: 9,775
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    Having you as a named driver on your mum's new policy may help reduce the price a bit, however it needs to be her as the main driver, otherwise it's fraud.
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  • Ms_Chocaholic
    Ms_Chocaholic Posts: 12,529
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    You can only use the no claims bonus once so if you are using it on your car you can't use it again on your mum's car.
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  • Upzeecreek
    Upzeecreek Posts: 111
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    edited 7 October 2023 at 8:47PM
    When my dad died, they ( LV) transferred his no claims bonus to my mum. She had been a named driver on his policy It was all done at the same time when we notified them of his death. 
  • Aretnap
    Aretnap Posts: 5,129
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    As above you cannot use your no claims bonus on more than one policy at once, so using yours to help your mum is a non-starter, unless you plan to stop using it on your own car's policy and see your own premiums increase instead.

    Also as above, if you speak to the company that your dad had a policy with, most insurers will deal with these things sensitively and will transfer a NCD to a spouse in sutuations where one partner has died, or is unlikely to drive again for health reasons.
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