Attorney using "cared for" persons car to provide carecare

elsien

Will they be self funding? Because the local authority won’t be paying for the residential care for someone who hasn’t been assessed to need it. 

whatsthenews

cymruchris said:

Although not intentional in what you're wanting to do - being the main drivers as named drivers, while the main driver doesn't drive it at all could put you in the position of 'fronting' - where less than honest people put an older more experienced driver as the main driver to save money on insurance. It's not what you're doing - but what you're doing could be classed as 'fronting' - as the main driver has to be just that - the main driver - the most miles. So you might unintentionally end up with a claim not being paid for example as a result if the insurance company found out.

This gives a bit more info:

https://www.moneysupermarket.com/car-insurance/what-is-car-insurance-fronting/

If the car is being kept at your address most of the time, and you are now the only drivers, then the insurance needs to reflect that. When my dad gave up driving and I was his carer, we transferred the registration document into my name although the car was still technically his, and I took out a new policy in my name. I didn't even need to put him on as a named driver, as he'd decided he didn't want to drive again. You might want to chat it through with your mum and potentially do something similar, being clear that the car is hers/theirs, and that you just want to ensure that you are covered by insurance properly while using the car for their care and benefit. 

Yes we realise we need to change the insurance ASAP .Dad went into hospital end of November and after a week was transferred to a  rural community hospital ( if you can call it that 😔) 28 miles from both our homes. A mare of a place to get to in bad weather. We were visiting every other day mostly  to check up on his care and make sure he was still in one piece( I'm an ex nurse) Then doing mum's care visits too. Then last 3 weeks in a care home have been simply shocking. 
Off topic , but someone needs to put their big girls panties on and sort out health and social care fur our elderly vulnerable.