Car insurance dilemma

Penny-less_2

My husband has been told not to drive for a few months for medical reasons so he has surrendered his license. He has had our 36yr old daughter on his policy for some time as they share driving on holidays etc

Previous to his diagnosis he was offered quotes around the 660.00 mark. Since disclosing his diagnosis this price has more than doubled.

None of the insurers are interested in the fact that our car will not be on the road as much as it would only be in use when our daughter drives us places. I am having difficulty understanding why we are more of a risk now than when our car was in constant use.

We have resigned ourselves to the fact that our lovely car will just be parked on our drive for the next few months as we cannot justify paying these inflated prices.

DullGreyGuy

Presumably you have reduced the annual mileage to reflect the lower use and had your daughter as the main driver?

TELLIT01

As he has no licence, I assume the insurance will have to change to the daughter's name.  Even if it's still his policy I would assume there would be no NCD for the daughter which could have an effect.

RobfromCornwall

Is there an argument for your daughter getting her own policy on the car (possibly adding your husband as a named driver when he can drive again)?  

Penny-less_2

Thank you for your responses everyone. We plan to try asking our daughter to do it in her name as Rob suggested. We are off on a much looked forward to break for the next few days so this will be the route we will go down on our return. It is just frustrating that we were being charged more for much less use. He had reduced the anticipated mileage when getting quotes.

DullGreyGuy

TELLIT01 said:

As he has no licence, I assume the insurance will have to change to the daughter's name.  Even if it's still his policy I would assume there would be no NCD for the daughter which could have an effect.

Some insurers are willing to have a policy in the name of an insured who no longer has a driving licence as long as there is a named driver who has a right to drive the vehicle. 

Penny-less_2

DullGreyGuy said:

TELLIT01 said:

As he has no licence, I assume the insurance will have to change to the daughter's name.  Even if it's still his policy I would assume there would be no NCD for the daughter which could have an effect.

Some insurers are willing to have a policy in the name of an insured who no longer has a driving licence as long as there is a named driver who has a right to drive the vehicle. 

We have found companies that will do this but at more than twice the amount we were quoted before his illness.