Insuring my car but cant temporarily drive it

whatshallicallme?

Advice on best option required please.
My car insurance is up for renewal.
My husband is named driver on my insurance. He also has a car he is insured on.
I have voluntarily surrendered my licence to DVLA in last 3 weeks due to a recent medical operation, but haven't heard back from them. However, I know the period I will be unable to drive is 6 months. 
Can I just reinsure my car , not drive it myself but my husband can drive it to take me to appointments etc. When he is on his own he uses his own car.
I do want to compare insurances as mine has been going up year on year with no claims against the insurance company.
Are there other alternatives or anything I need to be considerate of? 
Thanks in anticipation . 

cw8825

part of the insurance assumptions is that you have a valid licence.
you would be best insuring in your husbands name, then adding yourself on when your licence is reinstated.

Newbie_John

It really depends how much is your insurance? Or how much would it be if your husband added that car to their insurance?

You could in theory declare it SORN, keep it on private road, then get temporary insurance and cancel SORN but it could be a lot of hassle and.. the temporary insurance is always quite expensive - at least £50 for a week.

Or just take a taxi, use husband car..

No claim bonus can last up to two years without driving so worth checking with your insurance company.

whatshallicallme?

Newbie_John said:

It really depends how much is your insurance? Or how much would it be if your husband added that car to their insurance?

You could in theory declare it SORN, keep it on private road, then get temporary insurance and cancel SORN but it could be a lot of hassle and.. the temporary insurance is always quite expensive - at least £50 for a week.

Or just take a taxi, use husband car..

No claim bonus can last up to two years without driving so worth checking with your insurance company.

Never even thought of him adding the car to his insurance. May check that one out, thanks. I did a go compare quote with him insured as a main driver and it's £200 cheaper than my renewal quote ( why do insurance charge you 17% interest charge to pay monthly! Not a question more of a rant!).
Taxis are options as are other modes of transport. 
Good note re No claims bonus 

DullGreyGuy

whatshallicallme? said:

Advice on best option required please.
My car insurance is up for renewal.
My husband is named driver on my insurance. He also has a car he is insured on.
I have voluntarily surrendered my licence to DVLA in last 3 weeks due to a recent medical operation, but haven't heard back from them. However, I know the period I will be unable to drive is 6 months. 
Can I just reinsure my car , not drive it myself but my husband can drive it to take me to appointments etc. When he is on his own he uses his own car.
I do want to compare insurances as mine has been going up year on year with no claims against the insurance company.
Are there other alternatives or anything I need to be considerate of? 

You need insurance not reinsurance.

Speak to your insurers, some are happy with a policyholder that cannot drive the vehicle as long as there is at least one named driver that can. 

whatshallicallme? said:

Newbie_John said:

It really depends how much is your insurance? Or how much would it be if your husband added that car to their insurance?

You could in theory declare it SORN, keep it on private road, then get temporary insurance and cancel SORN but it could be a lot of hassle and.. the temporary insurance is always quite expensive - at least £50 for a week.

Or just take a taxi, use husband car..

No claim bonus can last up to two years without driving so worth checking with your insurance company.

Never even thought of him adding the car to his insurance. May check that one out, thanks. I did a go compare quote with him insured as a main driver and it's £200 cheaper than my renewal quote ( why do insurance charge you 17% interest charge to pay monthly! Not a question more of a rant!).
Taxis are options as are other modes of transport. 
Good note re No claims bonus 

That will depend on if they have a basic multi-car option, many of which are just seperate policies but with a multi-product discount. It's unlikely you'd be able to add it to his policy as a Temporary Additional Vehicle for 6 months, most have a limit of 28 days at a time and only X times in a year (ours was 3 or 4, can't remember exactly). 


Depending on who you are buying from they can literally be giving you a loan, even if its not literally it's figuratively what's happening. The seller has to pay the underwriter in full within 28 days and you are going to take 12 months to repay them and a reasonable proportion of people default on their repayments. They charge interest to compensate them for having to pay for your policy for you and cover the losses caused by those that default. If you can't afford your premiums then there may be cheaper ways to get a loan than from an insurance company. 

whatshallicallme?

DullGreyGuy said:

whatshallicallme? said:

Advice on best option required please.
My car insurance is up for renewal.
My husband is named driver on my insurance. He also has a car he is insured on.
I have voluntarily surrendered my licence to DVLA in last 3 weeks due to a recent medical operation, but haven't heard back from them. However, I know the period I will be unable to drive is 6 months. 
Can I just reinsure my car , not drive it myself but my husband can drive it to take me to appointments etc. When he is on his own he uses his own car.
I do want to compare insurances as mine has been going up year on year with no claims against the insurance company.
Are there other alternatives or anything I need to be considerate of? 

You need insurance not reinsurance.

Speak to your insurers, some are happy with a policyholder that cannot drive the vehicle as long as there is at least one named driver that can. 

whatshallicallme? said:

Newbie_John said:

It really depends how much is your insurance? Or how much would it be if your husband added that car to their insurance?

You could in theory declare it SORN, keep it on private road, then get temporary insurance and cancel SORN but it could be a lot of hassle and.. the temporary insurance is always quite expensive - at least £50 for a week.

Or just take a taxi, use husband car..

No claim bonus can last up to two years without driving so worth checking with your insurance company.

Never even thought of him adding the car to his insurance. May check that one out, thanks. I did a go compare quote with him insured as a main driver and it's £200 cheaper than my renewal quote ( why do insurance charge you 17% interest charge to pay monthly! Not a question more of a rant!).
Taxis are options as are other modes of transport. 
Good note re No claims bonus 

That will depend on if they have a basic multi-car option, many of which are just seperate policies but with a multi-product discount. It's unlikely you'd be able to add it to his policy as a Temporary Additional Vehicle for 6 months, most have a limit of 28 days at a time and only X times in a year (ours was 3 or 4, can't remember exactly). 


Depending on who you are buying from they can literally be giving you a loan, even if its not literally it's figuratively what's happening. The seller has to pay the underwriter in full within 28 days and you are going to take 12 months to repay them and a reasonable proportion of people default on their repayments. They charge interest to compensate them for having to pay for your policy for you and cover the losses caused by those that default. If you can't afford your premiums then there may be cheaper ways to get a loan than from an insurance company. 

Thank you Dullgreyguy. Helpful information. 😀

ontheroad1970

whatshallicallme? said:

Newbie_John said:

It really depends how much is your insurance? Or how much would it be if your husband added that car to their insurance?

You could in theory declare it SORN, keep it on private road, then get temporary insurance and cancel SORN but it could be a lot of hassle and.. the temporary insurance is always quite expensive - at least £50 for a week.

Or just take a taxi, use husband car..

No claim bonus can last up to two years without driving so worth checking with your insurance company.

Never even thought of him adding the car to his insurance. May check that one out, thanks. I did a go compare quote with him insured as a main driver and it's £200 cheaper than my renewal quote ( why do insurance charge you 17% interest charge to pay monthly! Not a question more of a rant!).
Taxis are options as are other modes of transport. 
Good note re No claims bonus 

what's worse is that if you fall behind in the payments they will cancel cover and leave you uninsured and subject to 6 points on your licence even after missing just one payment.  You fall behind one payment on HP for a TV, Currys don't send the repo men, and certainly don't leave you subject to a criminal conviction.

DullGreyGuy

ontheroad1970 said:

whatshallicallme? said:

Newbie_John said:

It really depends how much is your insurance? Or how much would it be if your husband added that car to their insurance?

You could in theory declare it SORN, keep it on private road, then get temporary insurance and cancel SORN but it could be a lot of hassle and.. the temporary insurance is always quite expensive - at least £50 for a week.

Or just take a taxi, use husband car..

No claim bonus can last up to two years without driving so worth checking with your insurance company.

Never even thought of him adding the car to his insurance. May check that one out, thanks. I did a go compare quote with him insured as a main driver and it's £200 cheaper than my renewal quote ( why do insurance charge you 17% interest charge to pay monthly! Not a question more of a rant!).
Taxis are options as are other modes of transport. 
Good note re No claims bonus 

what's worse is that if you fall behind in the payments they will cancel cover and leave you uninsured and subject to 6 points on your licence even after missing just one payment.  You fall behind one payment on HP for a TV, Currys don't send the repo men, and certainly don't leave you subject to a criminal conviction.

You'll have received at least two communications and more likely more than that so if you decide to continue driving after they've told you that your policy is being cancelled thats really on you.  In most cases motoring convictions arent seen in the same light as other criminal convictions and some may find the cost of having to personally pay for the damage they caused in an accident a much bigger issue than the penalty points. 


I only have my own memory to go by but I'd be willing to put money on the fact I dealt with more people having issues because they "forgot" to renew their policy and then either got ANPRed or had an accident than customers who did the same after their policy was cancelled for non-payment. But around here we hate auto-renewal even if it means the former can't happen as we have perfect memories.  

ontheroad1970

DullGreyGuy said:

ontheroad1970 said:

whatshallicallme? said:

Newbie_John said:

It really depends how much is your insurance? Or how much would it be if your husband added that car to their insurance?

You could in theory declare it SORN, keep it on private road, then get temporary insurance and cancel SORN but it could be a lot of hassle and.. the temporary insurance is always quite expensive - at least £50 for a week.

Or just take a taxi, use husband car..

No claim bonus can last up to two years without driving so worth checking with your insurance company.

Never even thought of him adding the car to his insurance. May check that one out, thanks. I did a go compare quote with him insured as a main driver and it's £200 cheaper than my renewal quote ( why do insurance charge you 17% interest charge to pay monthly! Not a question more of a rant!).
Taxis are options as are other modes of transport. 
Good note re No claims bonus 

what's worse is that if you fall behind in the payments they will cancel cover and leave you uninsured and subject to 6 points on your licence even after missing just one payment.  You fall behind one payment on HP for a TV, Currys don't send the repo men, and certainly don't leave you subject to a criminal conviction.

You'll have received at least two communications and more likely more than that so if you decide to continue driving after they've told you that your policy is being cancelled thats really on you.  In most cases motoring convictions arent seen in the same light as other criminal convictions and some may find the cost of having to personally pay for the damage they caused in an accident a much bigger issue than the penalty points. 


I only have my own memory to go by but I'd be willing to put money on the fact I dealt with more people having issues because they "forgot" to renew their policy and then either got ANPRed or had an accident than customers who did the same after their policy was cancelled for non-payment. But around here we hate auto-renewal even if it means the former can't happen as we have perfect memories.  

Those most at risk of falling into this situation will be the most price sensitive and those that sign up with the cheapest will get online only service, and all it takes is for someone's email account to be hacked (hardly an unusual situation) and they don't get notification at all.  My essential point is that people shouldn't get a criminal conviction (yes I am aware it is non declarable in most uses) because they have failed to keep payments.  The loan aspect should be separate to the insurance aspect.  It's like a modern form of debtor's prison otherwise with people more likely to get disqualified for totting.  There isn't even a stipulation that the notice of cancellation is served by a signed for service.  In the rush to get everything online, some people get lost in the middle

MEM62

I have just had a similar issue to due a one-off event of syncope.  In my case I also surrendered my license voluntarily for what should have been a six month period.  Having informed my insurers I was able to let the insurance on my current vehicles run and was able to renew the motorcycle insurance.  What I could not do was take out a new policy with another insurer as that required me to have a valid driving license. Strange but true, I could renew but only with my current insurer. 

As an aside I applied for my license 8 weeks before my 'suspension' was up as you are allowed to do.  I still do not have my license back and DVLA will not give any indication as to how long this would take.  (A situation somewhat different from what I was led to believe when I surrendered my license)  I am therefore driving under the provision of Section 88 of the Road Traffic Act.   

blueberrypie

cw8825 said:

part of the insurance assumptions is that you have a valid licence.
you would be best insuring in your husbands name, then adding yourself on when your licence is reinstated.

While that's true as far as it goes, remember that he will only be able to use his NCD on one vehicle, so it might turn out to be much more expensive than anticipated to insure it in his name.