My 80 yo mum no longer wants to drive. How will this affect her insurance?

[user1471867483]

She has 10 months left on her insurance and she paid annually (it was just renewed in June). The car she has is really not fit for purpose and she simply no longer wants to drive it or drive a car any longer now, and wants to sell it even for scrap/webuyanycar. It's an old banger anyway. Will she get the rest of the 10 months insurance left refunded?

Check her policy

Yes she will, but there may be an admin fee.

Some of it, based on my experience. Less than 10 months worth. Probably depends on insurer.

Yes, she will get a refund. When I sold my car earlier this year my insurance company paid out within a week.

She will get a refund minus an administration fee.

Some yes

Yes absolutely. There may be a fee as others have said but if she's no longer confident getting rid of the car and cancelling the insurance seems sensible.

What are her plans for getting around without the car?

I'll take her in mine 😊

In some circumstances they waiver the admin fee, I had to give up on medical grounds and got a full refund of remaining months and no deductions so make sure you explain why your cancelling (you also then don't get the hard sell).

Shall I tell them the car's had it or she's no longer interested in driving, full stop?

You can also claim road tax back

I'd go with the she's not interested in driving anymore. Is she handing back her driving licence? If so make them aware. If she thinks she's not medically fit to drive she has to hand back her licence (simple form).

Start here.
www.gov.uk/make-a-sorn
but I don't think you can do that unless it's on off-road parking.

No, she'll hang onto her licence as it's a good form of ID in future.

Thank you for all your replies btw.

Yeah just tell them she's decided to stop driving. Keep the car off the road if it's got no insurance. To be on the safe side, id cancel the insurance on the day webuyanycar etc pick it up.