Car insurance following death

Thoie

• Fred owns a car - he's the main driver, and his wife, Mary is a named driver.
• Mary also owns a car, with her as main driver, and Fred as named driver.
• Kathy, their daughter (who has her own car), sometimes drives either of their cars under her own insurance.
• George, who permanently lives abroad in the EU, is sometimes added to the insurance of one of the cars when he's home for brief visits.

Fred dies.

What happens next? If the family aren't selling the car immediately, presumably it still needs to be insured even if no-one's driving it - can Mary or Kathy have two cars insured under her name?

Can George be added permanently to the insurance (as a named driver), though he now has a "foreign" license (he first passed his test in Ireland), and no Irish address?

If the car is still in Fred's name, can Kathy drive it under her insurance "with the owner's permission"?

The ideal situation is that the car stays with the family for a few months before being sold, and is available for use while George is backwards and forwards in the immediate aftermath of the death.

Del2005

The executor of the estate "owns" it till the will clears probate and they'll need to keep it insured and taxed/NCT if you want to use it on the road, which includes parking.

You can own as many cars as you like but your NCD is tied to one car. You'll need a separate policy for each car with it's own NCD being built up, some companies will mirror NCDs.

The rest is getting messy and could have issues if you need to make a claim.

Atlantic Dawn

I'd just get executor to sell the car, get George to rent a car when he's over or get him as named driver on Kathy or Mary's car.

coylemj

This was asked here before and the answer is/was that certain insurance companies will allow the policy to continue to the expiration date with named drivers still covered. Following which, the executor will have to decide what to do with the car in terms of coverage.

You need to phone the insurance to ask, nobody here can answer your questions.

Thoie

https://www.boards.ie/discussion/comment/117743400#Comment_117743400

Sure. It looks like probate is currently taking about 6 months to come through, so not sure if the executor is authorised to "do" things with the car (like even speak to the insurance company) until that comes through. Solicitor can probably answer that part.