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Insurance for elderly parent who owns car but others drive it?

  • 05-01-2017 10:41pm
    #1
    sadie9
    Registered Users, Registered Users 2 Posts: 369 ✭✭


    What is the best situation to manage Motor insurance if the elderly parent who owns the car, stops driving it, but now her grown up children drive her in it?
    Other vehicles are not suitable to drive her in.
    Should the elderly parent still insure it, and have the other drivers named?
    Or should one offspring insure the car as the main driver, but be a non-owner (if that's possible), and have the other offspring named on it?
    Tagged:


Comments

  • #2
    colm_mcm
    Registered Users, Registered Users 2 Posts: 73,520 ✭✭✭✭colm_mcm


    Do the other drivers have insurance of their own?


  • #3
    listermint
    Registered Users, Registered Users 2 Posts: 34,216 ✭✭✭✭listermint


    Take ownership of the car and insure it for whomever looks after elderly parent surely.


  • #4
    ml100
    Registered Users, Registered Users 2 Posts: 404 ✭✭ml100


    You can keep the insurance in you parents name, just get them excluded from driving it and get open driving or get added as a named driver, I have done this, car and insurance in my father's name open driving so other people can drive him and my mother as a named driver (because open driving doesn't cover you over 75)


  • #5
    bazz26
    Registered Users, Registered Users 2 Posts: 51,363 ✭✭✭✭bazz26


    Normally insurance companies insist on the policy holder being the registered owner. Easiest way is probably to get specifically added as a named driver on the registered owner's policy.

    Might be worth talking to the insurance company too as they might have special dispensation for circumstances like this.


  • #6
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    ml100 wrote: »
    You can keep the insurance in you parents name, just get them excluded from driving it and get open driving or get added as a named driver, I have done this, car and insurance in my father's name open driving so other people can drive him and my mother as a named driver (because open driving doesn't cover you over 75)

    This is the correct answer.

    This would be a common enough request, it arises if the policy holder is not able to drive any longer for medical or other reasons.


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  • #7
    Shorty69664
    Registered Users, Registered Users 2 Posts: 208 ✭✭Shorty69664


    Does the elderly parent need to maintain their full license or would their be insurance issues if it wasn't renewed.


  • #8
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Shorty69664 wrote: »
    Does the elderly parent need to maintain their full license or would their be insurance issues if it wasn't renewed.

    If they are excluded from driving there shouldnt be an issue but it would be best practice to get confirmation from the insurer directly, preferably in writing as the Ts and Cs can differ.


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