Car insurance for inherited cars now owned by a non-driver

That_Bloke

My stepfather has recently passed away and left two cars which will go to my mother once probate has completed (I'm an executor).

She doesn't drive (and no longer has a licence) but wants to keep the cars, one of which is a classic, for the moment. I'm trying to work out the best way to handle the insurance aspect of this.

The simplest (and cheapest) option would probably be to declare the vehicles SORN and get laid up insurance for them both until she decides what to do with them and that's what I'm leaning towards at the moment. However, in a perfect world, we'd like to keep at least the daily car on the road so that I (or my sister) can do things like take it for cleaning and services or even taking her out. I'm pretty sure that she will want to sell both but it's quite raw at the moment.

I can get quotes for myself as the main driver whilst still putting her as the owner and registered keeper, but the prices are high because (I believe) I can't use my no claims as that's already being used on my own car.

I do have LV= multi car insurance for mine and my wife's car, so I wondered if adding them to that policy might be an option and, if so, whether they might accept my no claims with themselves.

Does anyone have any suggestions for the best way to approach this? 

Frozen_up_north

We had a problem with a car left on a public highway where a deceased relative had left it parked. In order to move the car we needed insurance, it proved impossible. The owner clearly could not give permission and after trying our own companies, and that which it was insured with, we gave up and enlisted the assistance of a garage to move the car for us on trade plates. Once the executor (a solicitor) could arrange for the car to be transferred to a beneficiary, it could be insured, driven, etc.

A bit of a legal minefield 

That_Bloke

Frozen_up_north said:

We had a problem with a car left on a public highway where a deceased relative had left it parked. In order to move the car we needed insurance, it proved impossible. The owner clearly could not give permission and after trying our own companies, and that which it was insured with, we gave up and enlisted the assistance of a garage to move the car for us on trade plates. Once the executor (a solicitor) could arrange for the car to be transferred to a beneficiary, it could be insured, driven, etc.

A bit of a legal minefield 

Thanks very much for the input! I'm in a position to transfer the car to my mother as the registered keeper at the moment (I've checked that side of things) but the big issue is the fact that she's a non-driver which has me a little stumped on the insurance question

sheslookinhot

Remember that the registered keeper does not necessarily have to be the owner.  For the purposes of insuring the car, the OP could be the owner”owner”.

DVLA will require to have a new RK on the database.

First thing is ask LV for a price to add the car to the multi car policy.

That_Bloke

sheslookinhot said:

Remember that the registered keeper does not necessarily have to be the owner.  For the purposes of insuring the car, the OP could be the owner”owner”.

DVLA will require to have a new RK on the database.

First thing is ask LV for a price to add the car to the multi car policy.

Thank you. I'll give LV a call tomorrow and see what they say .

sparklymarkly

LV will certainly add another car to the policy but they won’t allow NCD to be used.
They start each car’s NCD individually- at least that’s what they’ve done with us when we added a third car. 

It’s a bit hard to fathom - at this January’s renewal, my wife has full NCD (for years) and I seem to have 4yrs on one car and 1yr on another.

sheslookinhot

That_Bloke said:

sheslookinhot said:

Remember that the registered keeper does not necessarily have to be the owner.  For the purposes of insuring the car, the OP could be the owner”owner”.

DVLA will require to have a new RK on the database.

First thing is ask LV for a price to add the car to the multi car policy.

Thank you. I'll give LV a call tomorrow and see what they say .

You should add the 2 cars from your late stepfather to your LV policy, if they are competitive.

GrubbyGirl_2

There are several companies that do daily insurance can't you use one of those for the days you need to use it as you said it would be only very occaisionally?

Mildly_Miffed

GrubbyGirl_2 said:

There are several companies that do daily insurance can't you use one of those for the days you need to use it as you said it would be only very occaisionally?

You're forgetting Continuous Insurance Enforcement.

Any vehicle has to be on the Motor Insurance Database at all times it's taxed.
If it's uninsured, it has to be SORNed.

There's a non-issue here.

If the entire estate is passing to the mother, then she's the beneficial owner now. She can be the Registered Keeper, too - no need for a licence.
Insure the car for whoever will be the main driver, with the RK as the mother.
Alternatively, put the keeper as the driver and save mum some paperwork.

As for laid-up insurnace, are we talking about exceptionally valuable cars? For the classic it might make sense, for the daily... Nah.

Nebulous2

What happened to your step-father's insurance? 

Its a complication that your mother doesn't drive, but I've known an insurance company transfer the existing policy to a spouse who was a named driver following the death of the policy holder.