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Insured on mothers car but mother has died, still insured?

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  • 16-05-2017 4:33pm
    #1
    salad17
    Registered Users Posts: 158 ✭✭


    This is actually for my brother. So he has a camper that he drives as his main vehicle, but he put it in my mothers name as she has a separate primary vehicle.

    My mother has died, and her (and his, in her name) insurance is due for renewal shortly.

    He could just renew my mothers insirance, but I don't think he would technically be insured?

    Obviously once the estate is sorted out, the camper will be in his name and he can sort it out no problem but this will take quite a while.

    He has considered just sending off the logbook and putting it in his name but this isn't a route he wants to go down either as it wouldn't be legitimate.

    Is there a solution for people in this situation?

    Thanks


Comments

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    #2
    MarkR
    Moderators, Regional Midwest Moderators Posts: 11,118 Mod ✭✭✭✭MarkR


    Your mother is (nominally) the primary driver of the vehicle. I think that would be an issue. I would contact the insurer immediately, and advise them that your brother is the primary user, and ask them will he still be covered.


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    #3
    Avatar MIA
    Closed Accounts Posts: 6,750 ✭✭✭Avatar MIA


    salad17 wrote: »
    He could just renew my mothers insirance, but I don't think he would technically be insured?

    He wouldn't be insured.

    Sorry to hear of your situation.


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    #4
    Atlantic Dawn
    Registered Users Posts: 82,791 ✭✭✭✭Atlantic Dawn
    M


    Sorry for your loss.

    He should contact the insurer straight away to have the policy amended, he may not be insured right now to be driving around as policyholder details have changed.


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    #5
    endacl
    Registered Users Posts: 22,311 ✭✭✭✭endacl


    Avatar MIA wrote: »
    He wouldn't be insured.

    Sorry to hear of your situation.

    Strictly speaking, it could be argued that he wasn't insured before the bereavement either, as he was technically fronting.


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    #6
    punisher5112
    Registered Users Posts: 24,644 ✭✭✭✭punisher5112


    Its called fronting and they will not insure if he is caught out. He needs to insure in his name but may save by adding you or others on the policy.

    Terrible time for you all.


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    #7
    EagererBeaver
    Registered Users Posts: 6,436 ✭✭✭EagererBeaver


    endacl wrote: »
    Strictly speaking, it could be argued that he wasn't insured before the bereavement either, as he was technically fronting.

    There's no technically about it, he was flat out fronting and doing it knowingly by the way the OP reads.


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    #8
    endacl
    Registered Users Posts: 22,311 ✭✭✭✭endacl


    EagererBeaver wrote: »
    There's no technically about it, he was flat out fronting and doing it knowingly by the way the OP reads.

    Yeah, but let's go easy, given the circumstances?


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    #9
    ct5amr2ig1nfhp
    Closed Accounts Posts: 5,019 ✭✭✭ct5amr2ig1nfhp


    Similar situation recently and i contacted the insurer to inform them . They (123) were happy to keep named drivers insured until the policy expired. I had a letter to confirm the same as I wanted to be sure they were covered. I was even able to add someone to the policy temporarily.


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    #10
    AudreyHepburn
    Registered Users Posts: 5,673 ✭✭✭AudreyHepburn


    Sorry for your loss OP.

    Your brother's best bet is to call the Insurers and ask them directly what to do.

    He can't simply renew the policy because it's not in his name and he shouldn't be on it in the first place by the sounds of it and in case the way it was set up originally was fronting which is a form of fraud so his Insurers may not be willing to insure him in his own name anyway.

    He needs to call them and be completely honest and upfront about the situation and let them guide him.


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    #11
    AudreyHepburn
    Registered Users Posts: 5,673 ✭✭✭AudreyHepburn


    endacl wrote: »
    Yeah, but let's go easy, given the circumstances?

    To be fair the OP is asking for our advise which we cannot give him if we beat around the bush.


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