Spouse on van insurance ?

  • Thread starter Thread starter Robert Clark
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Robert Clark

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Mrs C has never driven our van and is unlikely ever to.

Is there any benefits or disadvantages with removing her from the policy?
 
Clarky said:
If you require repatriation to the UK because you can’t drive the insurance company will expect her to drive the van back rather than pay for another driver or a transporter.

Richard
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Richard

Is repatriation part of the standard policy or is it part of any breakdown cover ?
 
Try using a comparison site to see what different it makes to premiums as only having one driver can make the cost go up. In the very unlikely event that you can't drive, say you twisted your ankle, you could end up stuck somewhere for a while until you healed if she wasn't on the insurance, as this wouldn't qualify as you needing and 'emergency' driver ...

When hubby got severe (2nd degree) sunburn I had to drive (mine wasn't quite so bad) otherwise we'd have been stuck where we were for 3 weeks!

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I am in the same position as you, my wife would never drive it but put her on the insurance in case of an emergency.
Looking at my policy last renewal there is a section on repatriating the MH if the driver cannot drive due to medical problems, however as she is on the insurance I would of thought that they would expect her to drive, so we would be stuck as there is no chance she would do that especially in an emergancy.
So thinking of removing her from the policy for that reason.
The advantage though is usually insurance premiums can be a bit cheaper with another driver on the policy.
There is limited cover for non insured drivers to drive allowing for limited legal manovers either on their car or the MH policy.
 
better to leave the good lady on the policy even if she never drives you never can tell whats around the corner
 
Clarky said:
If you require repatriation to the UK because you can’t drive the insurance company will expect her to drive the van back rather than pay for another driver or a transporter.

Richard
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Mrs Tonyg has never driven our van and asked to be removed from the insurance so as not to forced into a position where she was expected to drive in what would be an emergency situation. By the way it made no difference to the premium.
 
buttons said:
One disadvantage could be if you ever keel over while away her driving could get you out of trouble.
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I totally agree. It was cheaper to include my wife on the policy until I had a health problem back in 2016.
As she was a named driver they wouldn't help with repatriation. She is no longer included as a driver so no issues if we are ever in that situation again.
 
My wife will never ever drive the van.
Because of that,she is not on the insurance,which is with Comfort.
In the event of my demise or serious I’ll health resulting in me being unable to drive,we and the van would be repatriated.
Thank god for insurance.:)
 
Robert Clark said:
Mrs C has never driven our van and is unlikely ever to.

Is there any benefits or disadvantages with removing her from the policy?
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Dorset Lady is on our policy and I am also thinking of removing her as she has never driven the van and is unlikely to do so. This will enable her to give up her C1/D1 and not risk the situation of her having to drive for the first time if I'm incapacitated and recovery is refused.
 
I’m just chipping in from the side lines .......

I think if Mrs C is insured ‘just in case’ then it would be wise for her to drive it now and then to avoid the ‘startle and shock’ of having to drive it for the first time in what might be a highly stressful situation.

On the other hand as others have said, I believe that if you are the only insured driver then you can indeed be ‘repatriated’ with another driver........... but would you want to?

For what it’s worth, Katy was insured on both of our vans and only ever drove the first van once and the second van never! (is this a typical ‘man’ thing?)
 
Insured through Safegaurd and spoke to them on this very issue a few months ago as I was contemplating removing my wife from the policy. They said they would never force a named driver to drive the van in that situation.

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Pilgrim said:
There is limited cover for non insured drivers to drive allowing for limited legal manovers either on their car or the MH policy.
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Can you post a link or screenshot of the actual text in an insurance policy confirming this.
If you have 'driving other vehicle' endorsement on YOUR insurance then yes, you can drive but I've never heard of an un-named driver having ANY consent to drive for any other reason.
 
I would encourage her to have a go before you decide, she might decide it's not too bad, and after a few miles like driving it. :Eeek::Eeek::Eeek:

I remember years ago getting into a snake towing a caravan, and when I finally managed to stop and realised how lucky we was, I was quite shaken up, Janie jumped in the seat and carried on.:doh:

She has driven all our motorhomes and towing trailers, and since moving to Spain she is the one who is the owner and the insurance is in her name, just in case anything happens to my other eye, and you never know what's around the corner, it might be more serious than just getting the motorhome home. :unsure: Bob.
 
pappajohn said:
but I've never heard of an un-named driver having ANY consent to drive for any other reason.
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Unless you have a spanish policy where the vehicle is insured & as long as the person is over the age limit ,usually 25 or 30, then any can drive it without the company being informed

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gus-lopez said:
Unless you have a spanish policy where the vehicle is insured & as long as the person is over the age limit ,usually 25 or 30, then any can drive it without the company being informed
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Very handy too Richard, because friends are using our car while we are not there, its kept in a garage and between him and our mechanic it will be have a new itv when we get home, and we have not had to store it. :D2
Also when family visit, they can use it. :cool: Bob.
 
tony_g said:
Mrs Tonyg has never driven our van and asked to be removed from the insurance so as not to forced into a position where she was expected to drive in what would be an emergency situation. By the way it made no difference to the premium.
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Reallyretired said:
I have removed swmbo from the mh policy, only a very small charge. She would never drive it so in the event of needing repatriation we would have a problem if she was still on the insurance.
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Podney said:
My wife will never ever drive the van.
Because of that,she is not on the insurance,which is with Comfort.
In the event of my demise or serious I’ll health resulting in me being unable to drive,we and the van would be repatriated.
Thank god for insurance.:)
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And those are the reasons why Rita is not named on the insurance either. :)

Cheers,

Jock. :)
 
Add your wife to the policy and also get her to drive the vehicle, there are courses available from the main clubs.
We were on holiday in Poland and I fell from my bicycle and broke my arm so my wife had to drive us home. Then a few weeks later we drove to Italy over the alps, this I enjoyed though my arm was in a sling as I could enjoy the view.
We tend to share the driving but I have always empty the loo, so when we returned from Poland she had to empty the loo, so a second thing for our ladies to learn......

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gus-lopez said:
Unless you have a spanish policy where the vehicle is insured & as long as the person is over the age limit ,usually 25 or 30, then any can drive it without the company being informed
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That's fair enough but Pilgrim appears to be a UK resident with UK insurance.... I could be wrong of course as his profile doesn't give that info.
 
bobandjanie said:
I would encourage her to have a go before you decide, she might decide it's not too bad, and after a few miles like driving it. :Eeek::Eeek::Eeek:
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Bob, are you saying that Janie drove your large tandem axled Euromobile without a problem?

Tanya_and_Mick said:
I agree, T had a go and now is onboard with driving
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Are you saying the same re your tandem axled Hymer Mick?
If that's the case, then well done guys getting the girls onboard. (y)

I have to tell you, that months and months of eagerly trying to get Rita to even try to take the wheel, especially on a quiet industrial estate, or on an old airfield, was met with extreme resistance. Why? Because she made it clear from day one, before we even bought the MH, that she would not drive it under any circumstances.
I have made those that need to know, aware that there is only one qualified driver on the vehicle and breakdown insurance, so alternative arrangements will have to be made as a result of me becoming incapacitated. (y)

A happy wife means a happy life. ;)

Cheers,

Jock. :)
 
JockandRita :wink: That was a Mercedes Jock rear wheel drive, of course she has driven everything, and towed anything. :)
Janie's job was transport manager invoicing, collecting parts, fetching wheels out, working on them weekends and of course being a mother. :whistle2::laughing:

She would drive the trucks in the yard, but wouldn't take her hgv. :RollEyes:
Seem to think I would have her shunting trailers at night, :wink: as if..... Bob


:doh:
 
If I had a missus that refused to drive the MH home in a medical emergency but was perfectly capable of driving a vehicle... I wouldn't have a missus when I got back..

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