Motor Elderly couple, renewal for named driver

Discussion in 'Insurance not covered in other forums' started by Jeanmac, Sep 9, 2018.

  1. Jeanmac

    Jeanmac New Member

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    Hi,
    I was wondering if anyone has any experience in the following matter - an elderly married couple have been insured on the same car policy for many years. The woman is a named driver.

    Health issues have forced the male to stop driving recently. His drivers licence is up for renewal in a few months, but it will not be renewable as he will not get medical clearance.

    The female is still driving, and is medically fit to do so. However, when the insurance comes up for renewal in a few weeks, it is not clear what options are available. The existing policy cannot be renewed due to the licence expiry - can it? Due to her age (mid 80's) most insurance companies refuse to quote in her name, or the quote is prohibitively expensive.

    Are there any other options to be explored before her being forced off the road. She lives alone, independently at the moment, and doesn't drive long distances - but having the car there means she is just that little more independent. Plus it is a measure of security to have a car outside the home etc. The car is of an age that if it is not driven at least those small journeys that it will stop moving altogether.

    Any advice or ideas to be explored would be appreciated.

    thanks in advance.
     
  2. Odea

    Odea Frequent Poster

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    355
    Interesting post. This is a concern to a lot of people as they get older. In our case we have two separate cars and separate insurance but named driver on each.
    We don't need two cars. We take it in turns to drive each other's car. A waste of money every year. We also have the travel pass.
    We keep both cars....just in case the above situation happens.
     
  3. ClubMan

    ClubMan Frequent Poster

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    Last edited: Sep 9, 2018
    Jeanmac, when you say most insurers won't quote or are expensive do you mean via online shopping around or have you also tried brokers? Given that the husband is not fit to drive now this would have to be divulged if trying to renew the current policy even if he still has his license. And if/when he no longer has a license this would also have to be divulged. Have you/they spoken to the current insurer to see if they can do anything? Her years as a named driver will count for something but not as much as cover and no claims discount in her own name. I don't know if my earlier thread is of any use here...

    https://www.askaboutmoney.com/threads/first-time-cover-for-50-year-old-on-learner-permit.200582/

    Hope this helps.

    PS not sure if Age Action Ireland might also be able to offer any advice?

    https://www.ageaction.ie/news/2016/09/08/older-drivers-struggling-car-insurance-costs
     
    Last edited: Sep 9, 2018
  4. Jeanmac

    Jeanmac New Member

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    5
    Thanks for the replying and for the information.

    Haven't spoken to the current insurer about this yet - the renewal notice is not yet through. I haven't tried any brokers, just online and then phone calls when advised to contact the company as the quote would not be provided online - do you think going to a broker is worth pursuing?
    I hadn't thought of contacting Age Action, but it would be a good source of information for this and for other questions I have - so thanks for that.
     
  5. ClubMan

    ClubMan Frequent Poster

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    I would talk to the current insurer either now or when the renewal notice issues - perhaps the sooner the better.
    (Bear in mind the usual issues with data protection will apply so you might need to have the couple with you to give permission for you to talk to the insurer on their behalf).
    I think it might also be worthwhile talking to a broker or two (sorry - can't make any specific recommendations/suggestions myself) as they might have more experience in this area.
    Maybe search online for specific brokers that might specialise in this area.
    I'm sure it's a common enough situation/dilemma so there might be some solution - hopefully one that's affordable!
    Good luck.
     
  6. Ravima

    Ravima Frequent Poster

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    You should not have a problem.

    Current insurer can issue policy in name of HIM, but excluding him from driving and still letting HER as a named driver.

    Some compassionate insurers, they are dwindling in number, might transfer policy to her.
     
  7. Jeanmac

    Jeanmac New Member

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    5
    Thanks.

    I spoke with a broker today, who was of similar opinion. He said that it would be fine to renew the policy without mentioning any of this matter; that it would only be an issue if there was an accident and the man was driving - to the man's great sadness, he will definitely not be driving again.
    If there was an accident when the woman was driving, that the only license that matters is her license.

    He also said that if the man dies before his wife, that the no claims bonus is transferred to her in cases such as this, i.e. where the named driver is the spouse.

    Based on last year's renewal, the insurance is very expensive already, but it is great to know that there are options to be explored.

    thanks again for your help.
     
  8. ClubMan

    ClubMan Frequent Poster

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    I'm not an insurance expert but that does not sound correct to me at all and I would double check it and maybe get a second opinion.
    If the policyholder can no longer drive and/or cannot get a new license then it's surely a material fact that DOES need to be communicated to the insurer?
    Most insurers ask if anybody covered has medical issues that might impact their driving ability and that is obviously the case here.
    Can anybody else clarify if this is true?
     
  9. Northie

    Northie Frequent Poster

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    79
    Not quite the same but weird insurance practice I've experienced. Before my father died his insurance premium became quite high due to his age. Myself and my sister were both put on the policy as named drivers by my dad (as there was no additional cost he thought he was getting better value). Following his death I notified his insurance company and the policy continued and was even renewed while we sorted out probate. At the time of renewal I remember arguing the high premium cost - their answer it was based on the risk profile for the premium holder - ie my dad and his age. When I suggested the risk of him being in an accident was pretty low - considering he was dead they said that didn't matter he was the main policy holder.

    So I'd well believe that the insurance company could continue your dad's policy even if he's not driving. However I'm not sure I'd be comfortable with not notifying them of that fact.
     
  10. Laramie

    Laramie Frequent Poster

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    I vaguely remember reading that the main policy holder has to be the main driver. As ClubMan says get a second opinion.
     
  11. AlbacoreA

    AlbacoreA Frequent Poster

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    Its probably down to the individual insurer. You'll get the best deal probably through the same insurer.
     
  12. ClubMan

    ClubMan Frequent Poster

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    I would not be comfortable about withholding a material fact from the insurer that may render the cover null and void.