Cagard
New Member
Apologies if I've posted this in the wrong place but I'm still finding my way round here.
I know the question has been posed several times but would just appreciate clarification. My son has been banned for 16 months (reduced to 12 with the driving rehabilitation course). His insurance ends around December on a policy he currently pays monthly. He has 2 named drivers on there currently, tho he has always been the main driver and is the owner and registered keeper. He had considered selling the car but has a loan for it and would likely lose money on it so is now considering keeping it and either having it insured in one of the other drivers names or declaring it Sorn. we don't have a garage but its currently on the far side of our drive, mostly boxed in by the 2 other cars at this address.
My questions are...firstly is he better off calling the insurance company and cancelling his policy without giving reasons why, or does he have to inform them of his ban, risking they may cancel the policy themselves and meaning he'd have to declare he's had insurance cancelled when he comes to re-insure? Secondly would he have to inform them of his ban if he asks the remainder of the policy be transferred to one of the named drivers, and thirdly, if he decides to keep the vehicle off the road totally, Sorns it and leaves it uninsured on the drive would it be covered by our house insurance if it was stolen, vandalised, or in the unlikely chance hit by an uninsured vehicle that may leave the road?
Many thanks in advance.
I know the question has been posed several times but would just appreciate clarification. My son has been banned for 16 months (reduced to 12 with the driving rehabilitation course). His insurance ends around December on a policy he currently pays monthly. He has 2 named drivers on there currently, tho he has always been the main driver and is the owner and registered keeper. He had considered selling the car but has a loan for it and would likely lose money on it so is now considering keeping it and either having it insured in one of the other drivers names or declaring it Sorn. we don't have a garage but its currently on the far side of our drive, mostly boxed in by the 2 other cars at this address.
My questions are...firstly is he better off calling the insurance company and cancelling his policy without giving reasons why, or does he have to inform them of his ban, risking they may cancel the policy themselves and meaning he'd have to declare he's had insurance cancelled when he comes to re-insure? Secondly would he have to inform them of his ban if he asks the remainder of the policy be transferred to one of the named drivers, and thirdly, if he decides to keep the vehicle off the road totally, Sorns it and leaves it uninsured on the drive would it be covered by our house insurance if it was stolen, vandalised, or in the unlikely chance hit by an uninsured vehicle that may leave the road?
Many thanks in advance.