General insurance question

[Posidrive]

Sorry to post a General question here but I am reluctant to directly ask the insurer.

 

If you are a named driver on your spouses policy does the policy terminate immediately if they pass away or at the end of the 12 months?

[The Bounty Bar Kid]

Pass away I would have thought. Sorry to hear this if this relates to you.

[Keyser]

When my mum passed and my wife was a named driver on the policy the insurance remained in affect until the end date some 4 or 5 months away, they did make a note of it though.

 

You would have to check with your insurance company to be sure and of course the policy would need to be paid in full, if it is paid monthly then it would no doubt lapse due to non payment

[Ekona]

Put it this way, the only people who can answer is the insurer, anything else is guesswork. In theory it should lapse immediately, however as above it's up to the insurer how they choose to handle it.

 

Not contacting them is not an option, as if the named driver is driving around uninsured that's a much much bigger problem than having to take out a new policy. What would happen if they crashed into the proverbial bus stop of kids? The financial implications alone would not be worth the hassle, never mind the legal side of things.

[Posidrive]

Did contact them and was pleasantly surprised that not only could the policy stay active until the end but also that because I am named driver I can inherit the NCB