What is life like with your car? Let us know and win £500 in John Lewis vouchers | No thanks
If I die suddenly would me wife remain legally covered on my insurance as a named driver?
If I were to die in the middle of the night in a hospital, would my wife remain legally covered by my insurance to drive the car home, as a named additional driver? Or would she have to leave the car in the hospital car park until she has arranged an insurance contract in her name? I can find no answer in the policy documents.
Asked on 2 January 2019 by 4caster
Answered by
Honest John
An insurer has to act "reasonably" in their actions. Your wife would be insured even though the contract would technically cease at your point of death. You are not technically dead in the eyes of the law until a death certificate has been registered and this is usually some time after the death has occurred. Most insurers understand the emotional distress in the situation and would not cancel cover until which point your wife advised them.
We give you the low down on how to save on insurance, little-known tricks and tips, what insurance groups mean and how to use insurance aggregators to beat insurers.
Insurance group finder and how to save on insuranceSimilar questions
My wife's insurance shows her as the main driver and I am shown as a named driver. Unfortunately she has a back problem that has affected her legs so she has not been driving for some time. Should I be...
My father has recently returned to live in the UK after eight years living and driving in Spain. He will need a car for UK use when movement restrictions are eased and I am considering letting him have...
I am a named driver on my wife's insurance. Her car is parked on our driveway overnight and that is stated on her insurance policy. Also named drivers are my son and his wife who live elsewhere around...
.jpg)
