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Insuring yourself on someone elses car? watch

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    Bit of an odd one, and i'd appreciate some advice from those versed in insurance.

    To try and be brief, I want to insure myself to drive my mum's car, she is currently in hospital and essentially unable to meaningfully consent to anything for the foreseeable future. I'm currently without a car and visiting her is a nightmare by public transport, and l'm thinking ahead to when she is discharged home also.

    Basically, how do I insure myself here? It's obv not my car, and I can't get formal consent of the owner, but do I need it?

    I'll need to go hunt them out, but i'll presumably have my mum's licence details and the cars V5, Can I just take out a policy for myself on her car without her consent? Ideally i'd have myself added to HER insurance as a second driver, as it is her car and i'm just taking temp use of it, but for now i'd obv be the main/only driver and it would be technically kept at my house, not hers, and would involve greater consent i assume, am I better just insuring it myself?

    I've been a bit daft about this. I'm an older yet relatively new driver, and far more comfy tooling around in an older used car i can scratch and scrape if need be, so v reluctant to consider using my mum's brand new car but....realistically, she isn't going to be driving again anytime soon, if ever, and if it's just sitting there and being paid for, I'm as well taking it, right?
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    (Original post by StriderHort)
    Bit of an odd one, and i'd appreciate some advice from those versed in insurance.

    To try and be brief, I want to insure myself to drive my mum's car, she is currently in hospital and essentially unable to meaningfully consent to anything for the foreseeable future. I'm currently without a car and visiting her is a nightmare by public transport, and l'm thinking ahead to when she is discharged home also.

    Basically, how do I insure myself here? It's obv not my car, and I can't get formal consent of the owner, but do I need it?

    I'll need to go hunt them out, but i'll presumably have my mum's licence details and the cars V5, Can I just take out a policy for myself on her car without her consent? Ideally i'd have myself added to HER insurance as a second driver, as it is her car and i'm just taking temp use of it, but for now i'd obv be the main/only driver and it would be technically kept at my house, not hers, and would involve greater consent i assume, am I better just insuring it myself?

    I've been a bit daft about this. I'm an older yet relatively new driver, and far more comfy tooling around in an older used car i can scratch and scrape if need be, so v reluctant to consider using my mum's brand new car but....realistically, she isn't going to be driving again anytime soon, if ever, and if it's just sitting there and being paid for, I'm as well taking it, right?
    You can't have two full policies on one vehicle, so if she's already got it insured, you would need to be a named driver on her policy - the alternative is a short term policy, but they'll be more costly depending on how long you're going to need to use it.
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    (Original post by StriderHort)
    Bit of an odd one, and i'd appreciate some advice from those versed in insurance.

    To try and be brief, I want to insure myself to drive my mum's car, she is currently in hospital and essentially unable to meaningfully consent to anything for the foreseeable future. I'm currently without a car and visiting her is a nightmare by public transport, and l'm thinking ahead to when she is discharged home also.

    Basically, how do I insure myself here? It's obv not my car, and I can't get formal consent of the owner, but do I need it?

    I'll need to go hunt them out, but i'll presumably have my mum's licence details and the cars V5, Can I just take out a policy for myself on her car without her consent? Ideally i'd have myself added to HER insurance as a second driver, as it is her car and i'm just taking temp use of it, but for now i'd obv be the main/only driver and it would be technically kept at my house, not hers, and would involve greater consent i assume, am I better just insuring it myself?

    I've been a bit daft about this. I'm an older yet relatively new driver, and far more comfy tooling around in an older used car i can scratch and scrape if need be, so v reluctant to consider using my mum's brand new car but....realistically, she isn't going to be driving again anytime soon, if ever, and if it's just sitting there and being paid for, I'm as well taking it, right?
    If I was in your situation I’d be calling up either your mums insurer for advice on what to do in this situation, or a generally respected insurer such as direct line or admiral. Literally all you’d need to do is call up their customer services department and state your situation and ask for advice. I’d hope they’d help you out, even if they do end the call offering you cover.

    It may turn out that you need to somehow cancel her insurance in order to then take out your own.

    I hope you find a solution!
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