Car insurance. What happens if your spouse dies ?

rustic · 19-10-2015, 19:42

Well on the theme of getting your house in order...

We have two cars, each individually insured by myself and spouse, we are each named drivers on each other's policy.
What happens if one dies, and the survivor needs to or has to drive the other car.
Does the policy die also....?

Now different insurance companies may have different rules, so do check...

Well I just spoke to direct line, renewed the policy and negotiated an even better deal on last year, so I said I had this friend blah blah....

The policy, with named drivers, will still be valid on the original persons policy up until renewal.
BUT you have to notify them, so ...They are taken off the policy, and they stop automatic renewal. They realise they are not the first priority, so ASAP when the "Dust" has settled so to speak.

Now here is something for you to do ASAP or at renewal, get your spouse added to the list of approved people that are allowed to speak on your behalf, I am also including my daughter and my son on things like house insurance, car insurance, gas, electric, otherwise they have to wait until after probate... Death certificates have to go here and there... so make it easier for those left behind.
It only adds 30-40 seconds to the conversation to have them included. They don't even have to be named drivers, or live at the same address.

So have a think about it.
You can make a difference.

Uncle Rustic

macabethiel · 19-10-2015, 21:16

Some insurers will pass on the NCB entitlement to the surviving spouse.

rustic · 20-10-2015, 10:30

Quote:

Originally Posted by macabethiel

Some insurers will pass on the NCB entitlement to the surviving spouse.

But I would think you would have to have been a named driver on that policy though.

macabethiel · 20-10-2015, 11:03

Well all three of our cars are insured as Policy Holder & Spouse. I am the Policy Holder for two of them.

When my Dad died his existing policy cover and the NCB was transferred to my late Mum who renewed it thereafter in her name only. I think he was insured with G.A.F.L.A.C. used to be General Accident. I got the impression it was usual practice but these days it is probably the exception not the rule.

We have our Merc with Saga and they offer this I am pretty sure together with other unusual extras incloded. e.g. The Policy Holder & Spouse are covered third party for other vehicles plus a get you home in case of a medical emergency where any driver is covered Comprehensive on the jouney.

19-10-2015, 19:42	#1
rustic Senior Member Join Date: Feb 2007 Location: Staffordshire Vehicle: Maverick Mk I 2.7 TD LWB Posts: 7,825	Car insurance. What happens if your spouse dies ? Well on the theme of getting your house in order... We have two cars, each individually insured by myself and spouse, we are each named drivers on each other's policy. What happens if one dies, and the survivor needs to or has to drive the other car. Does the policy die also....? Now different insurance companies may have different rules, so do check... Well I just spoke to direct line, renewed the policy and negotiated an even better deal on last year, so I said I had this friend blah blah.... The policy, with named drivers, will still be valid on the original persons policy up until renewal. BUT you have to notify them, so ...They are taken off the policy, and they stop automatic renewal. They realise they are not the first priority, so ASAP when the "Dust" has settled so to speak. Now here is something for you to do ASAP or at renewal, get your spouse added to the list of approved people that are allowed to speak on your behalf, I am also including my daughter and my son on things like house insurance, car insurance, gas, electric, otherwise they have to wait until after probate... Death certificates have to go here and there... so make it easier for those left behind. It only adds 30-40 seconds to the conversation to have them included. They don't even have to be named drivers, or live at the same address. So have a think about it. You can make a difference. Uncle Rustic __________________ Ford Maverick GLX 1995 2.7TD LWB in illusion silver, 98k miles. Owned since new, for 22 years. Best car I have ever owned. Just wish I could drive it more.

19-10-2015, 21:16	#2
macabethiel Senior Member Join Date: Aug 2008 Location: Derby Vehicle: Freelander & Jeep GC 3.0 Posts: 4,416	NCB stuff Some insurers will pass on the NCB entitlement to the surviving spouse.

20-10-2015, 11:03	#4
macabethiel Senior Member Join Date: Aug 2008 Location: Derby Vehicle: Freelander & Jeep GC 3.0 Posts: 4,416	Policy Holder & Spouse Well all three of our cars are insured as Policy Holder & Spouse. I am the Policy Holder for two of them. When my Dad died his existing policy cover and the NCB was transferred to my late Mum who renewed it thereafter in her name only. I think he was insured with G.A.F.L.A.C. used to be General Accident. I got the impression it was usual practice but these days it is probably the exception not the rule. We have our Merc with Saga and they offer this I am pretty sure together with other unusual extras incloded. e.g. The Policy Holder & Spouse are covered third party for other vehicles plus a get you home in case of a medical emergency where any driver is covered Comprehensive on the jouney.