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Insurance for someone who has no driving license

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  • 11-10-2023 7:20pm
    #1
    Sligo Pilgrim
    Registered Users Posts: 6 ✭


    My mother in law has MS and can  no longer drive. Her insurance company is refusing to renew her policy as she does not have a drivers license, despite the fact that they have insured her for years without problem. Her caregiver drives her to where she needs to go, so it’s important that she has insurance so she have coverage while others drive her. Everyone she has contacted has refused to insure her. We even considered the option of my wife taking ownership of her car and insuring it but she can’t use her no claims bonus twice, which would make it prohibitive. Does anybody know of any insurance company that could help? 



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    #2
    Dav010
    Registered Users Posts: 14,014 ✭✭✭✭Dav010


    https://www.boards.ie/discussion/2058317755/insurance-for-someone-who-has-no-driving-license

    just to be clear, you are looking to insure your mother, even though you know she is medically unfit to drive, and has no drivers license, so that other people who may not be insured to do so, chauffeur her in her own car?

    Taxi.



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    #3
    L1011
    Moderators, Business & Finance Moderators, Motoring & Transport Moderators, Society & Culture Moderators Posts: 67,713 Mod ✭✭✭✭L1011


    No insurer will even vaguely consider this.

    If the "for years" prior to this covered time she didn't have a licence, the insurance was basically obtained fraudulently and you would have a world of pain if a claim was made.



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    #4
    coylemj
    Registered Users Posts: 25,334 ✭✭✭✭coylemj


    https://www.boards.ie/discussion/comment/121225383#Comment_121225383

    That's exactly what the OP is looking to do. The MIL being unfit to drive is a side issue, what the OP wants is for the car to have a policy with open driving so that a carer with a full licence can drive it.

    The problem is that every motor policy assumes that the policyholder is the owner of the car and the principal driver. Only one of which would apply here. The medical condition of the OP's MIL would be a disqualifying factor since she is no longer able to drive (with or without a licence). And, as has been pointed out, no insurer will issue a policy in these circumstances.

    I find it a tad bizarre that, after telling us that his MIL has MS and cannot drive, the OP throws this into the mix...

    Her insurance company is refusing to renew her policy as she does not have a drivers license, despite the fact that they have insured her for years without problem.

    Sorry? What has her (lack of a) licence got to do with this? You said she cannot drive, that's all there is to it. That statement suggests that the family would happily stand back and let her insure the car if only she had a licence. And get a policy that would be annulled the moment the insurance got a whiff of a claim.



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