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Second driver insurance

  • 18-03-2019 7:55am
    #1
    boomwater
    Registered Users Posts: 17 ✭


    Hello,

    My Wife has died recently and has a car that was was insured to be driven by a friend of ours as well as her. I do not drive so am asking whether or not our friend will still be insured to drive the car?


Comments

  • #2
    Eggs For Dinner
    Registered Users Posts: 2,932 ✭✭✭Eggs For Dinner


    Sorry for your loss. Contact your insurers and explain the circumstances. They should agree to let the policy to run until renewal date as it is. After that, the new beneficial owner of the car needs to make new arrangements


  • #3
    coylemj
    Registered Users Posts: 25,313 ✭✭✭✭coylemj


    Eggs For Dinner wrote: »
    Contact your insurers and explain the circumstances. They should agree to let the policy to run until renewal date as it is.

    :confused: I know you work in the business but surely if the policyholder dies then the policy is no longer in force and the cover ceases?


  • #4
    Eggs For Dinner
    Registered Users Posts: 2,932 ✭✭✭Eggs For Dinner


    coylemj wrote:
    I know you work in the business but surely if the policyholder dies then the policy is no longer in force and the cover ceases?


    (Good) insurers can arrange what is known as "insured excluded" cover as a temporary measure under special circumstances. It is not correct to say the policy automatically ceases upon the death of the policyholder, but you are obliged to notify the insurer as soon as possible to allow them make arrangements for maintaining cover for fire and theft and possibly driving for a relative until renewal date. However, the insurer is within their rights to cancel immediately, but that rarely happens


  • #5
    Odyssey 2005
    Registered Users Posts: 21,065 ✭✭✭✭Odyssey 2005


    Eggs For Dinner wrote: »
    Sorry for your loss. Contact your insurers and explain the circumstances. They should agree to let the policy to run until renewal date as it is. After that, the new beneficial owner of the car needs to make new arrangements

    Happened to us years ago. All the vehicles in the house were insured in my father's name,he died and ins co cancelled the policies :(.. we were stranded with zero insurance.


  • #6
    Pkiernan
    Registered Users Posts: 4,315 ✭✭✭Pkiernan


    My dad's policy continued after his death until next renewal date.
    AXA were very good about it.


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