Named Driver Insurance in Deceased Driver Name

kerryked · 12-06-2013 06:56PM #1

Hi,
Just want to know can I be put as a named driver under my fathers insurance, who is deceased? Is this possible/legal? Would the title of the driver have to be changed or something?

Anan1 · 12-06-2013 07:04PM

Without meaning to sound funny, dead people can't take out (or amend) insurance policies.

Eric Cartman · 12-06-2013 07:08PM

this has to be one of the most tasteless insurance scams ive ever heard of. If its not a scam I would love more explanation.

bmwguy · 12-06-2013 07:12PM

I'll give you the benefit here that its a genuine question, I looked at your posting history and you're a young lad of 16 or 17 and would not have had insurance before, to echo Anan1 the answer is definitely NO. Have a read of the principles of insurance in a school business studies book and you will realise why this is so. You just have to go through what we all did and pay high premium for a few years

kerryked · 12-06-2013 07:13PM

What I mean is could i be put as a named driver with the policy holder as "the estate of....."?

Anan1 · 12-06-2013 07:17PM

kerryked wrote: »

What I mean is could i be put as a named driver with the policy holder as "the estate of....."?

What person is going to take out the policy?

kerryked · 12-06-2013 07:19PM

The current insurance on the car isnt up till October and I'll have a provisional next month...

12-06-2013 07:20PM

kerryked wrote: »

Hi,
Just want to know can I be put as a named driver under my fathers insurance, who is deceased? Is this possible/legal? Would the title of the driver have to be changed or something?

No. The car owner must insure the car. A dead person cannot be insured.

mickdw · 12-06-2013 07:20PM

kerryked wrote: »

What I mean is could i be put as a named driver with the policy holder as "the estate of....."?

On a car policy, the policy holder is assumed to be main driver with the named person a secondary driver.
Are you claiming that the deceased is the main driver? If you are declaring yourself as the main driver, there would be no saving over having your own policy.
Get your own policy.

tricky D · 12-06-2013 07:21PM

From recent experience it's no problem when the death is in the current term of cover for the rest of that term. After that, obviously not cool.

Anan1 · 12-06-2013 07:21PM

kerryked wrote: »

The current insurance on the car isnt up till October and I'll have a provisional next month...

The only person in a position to put you on the policy is dead.

Eric Cartman · 12-06-2013 07:23PM

kerryked wrote: »

The current insurance on the car isnt up till October and I'll have a provisional next month...

since a named driver must be the minority driver on a policy, and the policy holder is deceased there is no way you could legally be the minority driver of the car .

Since the person is deceased, cancel the policy on the car as they cannot use it. Wait until you get your provisional and get a quote in your own name and keep it legal.

Jordan537 · 12-06-2013 07:29PM

lol, has to be the funniest i have seen, surely OP your not serious?

corktina · 12-06-2013 07:32PM

I'd suggest that a Motor Policy would cease to be on the death of a policyholder. I'm sure the Ins Co would refund the remaining premium on being informed that the PH is deceased, whih of course ahs to be done as a "change of circumstance"

Sorry for your loss BTW

dh0011 · 12-06-2013 07:43PM

Jordan537 wrote: »

lol, has to be the funniest i have seen, surely OP your not serious?

OP's father could have passed away recently so I think this comment is a bit stupid.

OP you wont be able to take out a new policy in the name of someone who has died. If you are on an existing policy with the main driver being deceased you should tell the insurance company as you may not be covered anymore.

Jordan537 · 12-06-2013 08:13PM

dh0011 wrote: »

I think this comment is a bit stupid.

Thanks for your opinion man, brightened my day no end

mgbgt1978 · 12-06-2013 08:19PM

dh0011 wrote: »

If you are on an existing policy with the main driver being deceased you should tell the insurance company as you may not be covered anymore.

OP has already told us that he won't have a provisional licence until next month....

....I think we can deduce from this fact that the OP is NOT on an existing policy.

dh0011 · 12-06-2013 08:21PM

he may have held one previously

mgbgt1978 · 12-06-2013 08:26PM

^^^Have a look at post #4.
And if he had one previously why won't he have another one until next month...is there a special waiting period for some people ????

dh0011 · 12-06-2013 08:29PM

He could have lost his licence, it might have expired and he might not be able to renew it for a while.

mgbgt1978 · 12-06-2013 08:36PM

Or he could be sixteen years old at present (as he has already stated on boards...and again have a look at post #4).

dh0011 wrote: »

OP you wont be able to take out a new policy in the name of someone who has died. If you are on an existing policy with the main driver being deceased you should tell the insurance company as you may not be covered anymore.

He never mentioned taking out a new policy.
He never mentioned being a named driver on an existing policy.
What he asked was quite simple...could he now be added to an existing policy as a named driver despite the fact that the policy holder has passed away while this policy is in force.

kerryked · 12-06-2013 08:54PM

mgbgt1978 wrote: »

What he asked was quite simple...could he now be added to an existing policy as a named driver despite the fact that the policy holder has passed away while this policy is in force.

This is basically my question...

mgbgt1978 · 12-06-2013 09:00PM

To be honest KerryKed the answer is probably NO.
The car now technically belongs to the Executor of your Father's Will (even though it is probably not specifically in the Will) until such time as the car is sold or bequeathed to somebody.

Eric Cartman · 12-06-2013 09:00PM

kerryked wrote: »

This is basically my question...

and the answer to that question is simply no.

PVincent · 12-06-2013 09:47PM

Not such a silly query tbh. Under a policy of insurance when the policyholder passes away , automatically the policy will transfer into the name of The executors of the Late xxxxxxxx. So the first thing you need to do here is get that info to the insurance co either directly or via the broker . The info will have to come from the executor as legally that person is the only person who may act on behalf of the late policyholder. At the same time the executor can enquire if additional drivers can be added . (Provided the executor is happy that the car, which is part of the estate, can be used by you). You may of course have the usual difficulties that 17 yr old prov licences holders face when it comes to Insurance . Generally the policy can not be changed into any other persons name until the estate is settled. Hope this helps.

coylemj · 12-06-2013 09:56PM

PVincent wrote: »

Not such a silly query tbh. Under a policy of insurance when the policyholder passes away , automatically the policy will transfer into the name of The executors of the Late xxxxxxxx.

That may apply in the case of property insurance covering fire and public liability by which I mean that if Mr. X died today and his house goes up in flames tomorrow, I doubt if the insurance company would refuse his widow a claim based on the fact that the policyholder had died.

In the case of a motor policy, the policy would surely cease on the death of the policyholder.

Would the death of the policyholder not be a notifiable event as far as the insurance company is concerned?

PVincent · 12-06-2013 10:05PM

I'm afraid you are wrong. Just because a policyholder dies does not mean a motor policy lapses. Insurance companies have no authority to just cancel a policy . My previous post is correct

coylemj · 12-06-2013 10:28PM

PVincent wrote: »

I'm afraid you are wrong. Just because a policyholder dies does not mean a motor policy lapses. Insurance companies have no authority to just cancel a policy . My previous post is correct

An insurance company is well within it's rights to cancel a policy, if, for example there is a material change to the risk profile of the people covered under the policy.

In the OP's case nobody mentioned anyone 'cancelling' a policy, what I'm saying is that the policy would 'lapse'.

The insurance policy in this case was a contract between the OP's father and the insurance company whereby the insurance company agreed to indemnify the 'insured' (the OP's father) in the event of damage (to property) or injury (to life and limb) caused by the negligent use of the vehicle.

Given that the the 'insured' has now died, the obligations of the insurance company to him have ceased so effectively the policy has lapsed.

In the normal course of events, the 'insured' is the principal driver of the vehicle, how you do propose a policy can continue when the 'principal driver' is dead?

Update your car insurance

If you were a named driver on your partner’s car insurance policy, it’s very important to check whether you’re still covered. Most policies terminate on the death of the main policy holder and will leave you uninsured.

https://www.moneyadviceservice.org.uk/en/articles/reviewing-your-insurance-after-a-bereavement

MugMugs · 12-06-2013 10:33PM

tricky D wrote: »

From recent experience it's no problem when the death is in the current term of cover for the rest of that term. After that, obviously not cool.

This sums it up. Insurers generally don't cancel upon death of the policyholder.Its generally allowed run its term.

corktina · 12-06-2013 10:52PM

how can it when the policyholder is supposed to be the main driver? Any other driver on the policy would by default become the main driver and the policy would be void.

mathepac · 12-06-2013 10:57PM

MugMugs wrote: »

This sums it up. Insurers generally don't cancel upon death of the policyholder.Its generally allowed run its term.

That does not reflect my experiences having acted as executor a couple of time where cars & car insurances were involved. The policies automatically lapsed on the death of the policyholders and refunds were issued to the estates. No named drivers involved in either case.

In OP's case it's not relevant anyway as they are not currently named on the policy.

OP, my condolences on your loss.

Named Driver Insurance in Deceased Driver Name

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