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Car ownership and Insurance

potty_paula Avatar
2y, 5m agoPosted 2 years, 5 months ago
Partners friend went into Hospital. Whilst there he gave my Partner permission to drive his car. His friend has now passed away. My Partner is still driving his friends car and I am worried he's no longer insured. Also wondering who now legally owns the vehicle as no will was made.
potty_paula Avatar
2y, 5m agoPosted 2 years, 5 months ago
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Best Answer
The Therapist
Insurance will become cancelled if the insured passes away, therefore your partner is not insured. If there was an accident, only the policyholder can notify or submit a claim. This cannot happen on this policy as they are deceased. The insurance company, DVLA etc. need to be notified regarding this.

http://www.bereavementadvice.org/what-else-needs-to-be-done-after-a-death/informing-companies-and-organisations/insurance.php


Agree above. Also, one passed the estate of the deceases passes to their executor/ person on the will. Therefore, the car no longer belongs to the deceased and therefore you no longer have permission/ convent to drive it under your own insurance third party cover.

All Responses

(19) Jump to unreadPost an answer
Responses/page:
#1
Did your partner have insurance on another car or was a named driver on the deceased's policy?
#2
Insurance on another car.
#3
Then he will still be covered assuming deceased policy still has not expired or been cancelled. But ownership would pass to the deceased's estate and not your partner. Where is the V5 aka log book?

Edited By: IamMT on Jun 21, 2014 11:35
#4
I would imagine at the flat he lived in with my Partners Sister. He hadn't owned the car long before he passed as he was always changing cars.
#5
I would check that the insurance is still valid following the policy holders passing.
I would suspect it is automatically cancelled.
#6
Hello, your partners policy must state he can drive another car. Some policies only allow you to drive your car insured on the policy, however people seem to think that if you are fully comp you can drive any car but it's only true if stated in the policy. (From previous experience) also because the person insured on the car insurance has passed away the insurance will pro annoy be void. I would ring up your partners insurance and ask them for advice or whoever the late friend was with :)
#7
giving permission to drive a car doesnt make it legal. The owner has to inform their insurance driver of the new named driver. If they didnt do this, then your partner is not now or never has been legally insured to drive the car.
#8
As above certain lay talk to the sister but understandably her thoughts may be on other matters. I am sorry for her loss.
#9
Check the insurance status of your car regd

but that only tells if it has insurance - it doesn't tell you who is insured

Edited By: philphil61 on Jun 21, 2014 12:03
#10
So not looking good. Thinks it's best he stops driving it. Thanx every-one
#11
chocci
giving permission to drive a car doesnt make it legal. The owner has to inform their insurance driver of the new named driver. If they didnt do this, then your partner is not now or never has been legally insured to drive the car.
yes it does

My policy allows me to drive any car with the owners consent. Im insured on my policy fully comp but when driving some one elses its only with 3rd party coverage. That car must also have its own valid insursnce at the same time but the owner is not required to notify their insurer as im not being covered on that policy but my own .
#12
mrwhitelabel
chocci
giving permission to drive a car doesnt make it legal. The owner has to inform their insurance driver of the new named driver. If they didnt do this, then your partner is not now or never has been legally insured to drive the car.
yes it does

My policy allows me to drive any car with the owners consent. Im insured on my policy fully comp but when driving some one elses its only with 3rd party coverage. That car must also have its own valid insursnce at the same time but the owner is not required to notify their insurer as im not being covered on that policy but my own .
not what I said! oO
#13
Insurance will become cancelled if the insured passes away, therefore your partner is not insured. If there was an accident, only the policyholder can notify or submit a claim. This cannot happen on this policy as they are deceased. The insurance company, DVLA etc. need to be notified regarding this.

http://www.bereavementadvice.org/what-else-needs-to-be-done-after-a-death/informing-companies-and-organisations/insurance.php

Edited By: The Therapist on Jun 21, 2014 13:37
#14
The Therapist
Insurance will become cancelled if the insured passes away, therefore your partner is not insured. If there was an accident, only the policyholder can notify or submit a claim. This cannot happen on this policy as they are deceased. The insurance company, DVLA etc. need to be notified regarding this.

http://www.bereavementadvice.org/what-else-needs-to-be-done-after-a-death/informing-companies-and-organisations/insurance.php


Agree above. Also, one passed the estate of the deceases passes to their executor/ person on the will. Therefore, the car no longer belongs to the deceased and therefore you no longer have permission/ convent to drive it under your own insurance third party cover.
banned#15
I very much doubt your insured as the deceased policy would have ended at death and although you say your policy allows you to drive other cars, they must not be owned by you and must be insured in there own rights. As there is doubt as to weather the deceased car is still insured, my advice is it is not worth the risk!
#16
Is the car financed? If so the finance company may be wanting their car back now.
#17
The person driving the car can be arrested for driving the car without the owners consent as the car is now a asset to the estate.
Whether they actually would is a grey area, They should call the Police to clarify.

All current insurance would be invalid so the car is on the road without insurance.
#18
The policy becomes void upon death, had to go through this a couple of months ago when my dad died, rang the insurance company and it was cancelled immediately and they informed me it becomes void immediately , the refund was backdated to the day he passed
#19
The car now belongs to the next of kin, and if the car is on finance, it could belong to the finance company.

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