Hello. Am trying to sort car insurance for my husband. Bit of a weird situation and hard to talk to insurers in person. It’s all online quotes and chatbots.
We are married but separated. We are named drivers on each others policies although don’t live at the same addresses. We never drive each others cars.
He has had a massive stroke and can’t drive. May never drive again or could be OK in a year or so.
He is in a flat. The car is parked in the allocated parking. Battery will be flat as it’s been 8 weeks since he was admitted to hospital. Unlikely to be released to home for at least a couple of months more.
While he is in hospital I need to help get his car serviced and MOT (by end of April). Then he is moving in May from the flat into a house he’s buying which has a garage. The car will be put in the garage until he can drive again. I will need to drive it there.
insurance due for renewal in April.
He is not well enough to navigate insurance quote sites so I am helping.
In the quote I have said I am main driver. As I will be the only driver. He is registered keeper. Address is mine? I know we will need to amend when he moves house any way.
Best quote is from a pay per drive place which make sense as I will literally only be taking it for service, keeping battery charged then taking it to the new house.
It’s the address that confusing me. I suppose I could drive it to mine once the service is done and keep it on my drive. Would be a pain though as I have a small tandem drive. Is that the only way? Can I be main driver of a car at a different address.
There’s also the protected no claims. The terms say I can’t have protected no claims on more than one car I am main driver for. So I have to uncheck that box for his insurance?
Yes it’s bloody obvious he should just sell the thing but he doesn’t want to! Would be more hassle for me as well.