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Motability Open Insurance policy

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parent13
parent13 Posts: 35 Forumite
Sixth Anniversary 10 Posts
So I am the appointee for my daughters motability and the insurance is in my name with Direct Line.  I am a named driver along with her sister.  However, my daughter is due to move to Supported Living with a care provider.  I need to change to an open insurance policy as there will be various staff driving.  Can I and her sister still be a named driver if its an open policy or are we covered under it although we dont live at the same address?? How does it work for others who sons and daughters are in supported living who have carers driving?

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  • born_again
    born_again Posts: 20,343 Forumite
    10,000 Posts Fifth Anniversary Name Dropper
    parent13 said:
    So I am the appointee for my daughters motability and the insurance is in my name with Direct Line.  I am a named driver along with her sister.  However, my daughter is due to move to Supported Living with a care provider.  I need to change to an open insurance policy as there will be various staff driving.  Can I and her sister still be a named driver if its an open policy or are we covered under it although we dont live at the same address?? How does it work for others who sons and daughters are in supported living who have carers driving?

    If this is a Motability car, then the insurance is provided by them, & you would need to ask this question with them.
    Life in the slow lane
  • Nebulous2
    Nebulous2 Posts: 5,666 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Is this not a Motability car?

    I'm a bit out of touch, but Motability used to provide the insurance for their cars. They had a limit as to the number of drivers (3?) but that could be extended if there was a care provider involved. Generally it came with strings - drivers had to be over 25, and must have held a full licence for at least a year, so it excluded a lot of young staff. 


  • forgotmyname
    forgotmyname Posts: 32,918 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I thought they clamped down on drivers not living at the address but will cover them on a short term basis on an as needed case?

    Brother in Law had a motability car and his daughters husband could not be on the policy due to living elsewhere.  Sadly no longer
    with us so I cannot ask him.  A quick call to mobility should answer your question though.

    Do let us know the answer.

    Censorship Reigns Supreme in Troll City...

  • poppy12345
    poppy12345 Posts: 18,880 Forumite
    Tenth Anniversary 10,000 Posts Name Dropper
    I thought they clamped down on drivers not living at the address but will cover them on a short term basis on an as needed case?

    Brother in Law had a motability car and his daughters husband could not be on the policy due to living elsewhere.  Sadly no longer
    with us so I cannot ask him.  A quick call to mobility should answer your question though.

    Do let us know the answer.

    No they haven't. My daughter is a named driver on my motability insurance and she doesn't live with me. I've only recently collected my new car and added her without problems. She was also added on my previous car. 

    They may fit a location tracker to the vehicle but in my case they didn't and never have. https://www.motability.co.uk/get-support/during-your-lease/cars-wavs/named-drivers/#drive

    For those living in a care home or supported housing, it's possible to have several names added. I can't help with the question here though but I'm sure motability will help. 

    OP if they refuse to add you then it maybe possible to add you as a temporary driver as and when needed. 


  • forgotmyname
    forgotmyname Posts: 32,918 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 23 January at 4:20AM
    Maybe because his daughter lived over 100 miles away?

    Censorship Reigns Supreme in Troll City...

  • poppy12345
    poppy12345 Posts: 18,880 Forumite
    Tenth Anniversary 10,000 Posts Name Dropper
    Maybe because his daughter lived over 100 miles away?

    Yes, that would definitely be the reason why. They may have agreed if they wanted to added for just the day when they were together. 
  • henry24
    henry24 Posts: 418 Forumite
    Eighth Anniversary 100 Posts Combo Breaker
    I don't have anything to do with motability cars and there insurance but understand it's included, what happens if you have a accident do you have to pay more for insurance 
  • poppy12345
    poppy12345 Posts: 18,880 Forumite
    Tenth Anniversary 10,000 Posts Name Dropper
    henry24 said:
    I don't have anything to do with motability cars and there insurance but understand it's included, what happens if you have a accident do you have to pay more for insurance 
    No, you do not have to pay more. Motability is one standard payment, which is usually the whole of your mobility award payment. There are some smaller cars that are slightly less than your mobility payment. There's also some that require you to pay an advance payment before collecting your vehicle. That payment covers everything apart from fuel. 

    For insurance claims there's an excess you need to pay depending on age.. for those aged between 16 - 20 it's £500, 21 - 24 £300 and 25+ it's £100. 

    If you make too many claims on your insurance, Direct line motability could refuse to insure you for your next lease.
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