ChatterBank1 min ago
Giving Up A Driving Licence
10 Answers
If an elderly person, gives up their drivers licence, but wishes someone to drive their car, (as a named driver) for them to be able to get around, should the insurance documents, still show, the registered owner as having a full licence, even though they have surrendered it?
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For more on marking an answer as the "Best Answer", please visit our FAQ.If the person has submitted a formal 'declaration of voluntary surrender' to the DVLA, then they should inform the insurer, so that the information held on their files is kept up to date.
It's likely that the insurer will then require a new policy to be taken out, with the actual driver of the vehicle named as the policy holder. Otherwise a position similar to 'fronting' (where someone illegally claims to be a main driver in order to get discounted insurance for someone else to drive a vehicle) will have been reached.
The golden rule with any type of insurance is that if one is in any doubt as to whether a material fact should be disclosed, then disclose it anyway!
It's likely that the insurer will then require a new policy to be taken out, with the actual driver of the vehicle named as the policy holder. Otherwise a position similar to 'fronting' (where someone illegally claims to be a main driver in order to get discounted insurance for someone else to drive a vehicle) will have been reached.
The golden rule with any type of insurance is that if one is in any doubt as to whether a material fact should be disclosed, then disclose it anyway!
There is no such thing as the "registered owner". There is only the "Registered Keeper" who may or may not be the owner. The Registered Keeper is the person whose details the DVLA has and which they will provide if it is necessary to contact somebody about the vehicle.
The proposer of the policy must answer any questions they are asked truthfully.
The proposer of the policy must answer any questions they are asked truthfully.
Not quite sure about that Chris. The elderly driver will be the owner and registered keeper of the vehicle and as such will have an insurable interest in it (not only for own damage, theft etc but also for the use of the vehicle (per the RTA) when it is being driven by the named driver for their benefit). I would have thought that the insurer would still wish the elderly person to be the policyholder but as an ‘excluded’ driver.
we are groping a bit on insurance law
First - insurance contract are uberrima fidei - in the greatest faith
(because termination is governed by statute as well)
so.. you MUST inform the insurance
and inform them! -say you are not driving but there is a named driver. You will be by no means the first to tell an insurance co that. Me, I did. I am not a named driver, but my er driver is.
and they tell you what the loo-loo is ( insurance premium, chrissakes)
honestly it is that simple
First - insurance contract are uberrima fidei - in the greatest faith
(because termination is governed by statute as well)
so.. you MUST inform the insurance
and inform them! -say you are not driving but there is a named driver. You will be by no means the first to tell an insurance co that. Me, I did. I am not a named driver, but my er driver is.
and they tell you what the loo-loo is ( insurance premium, chrissakes)
honestly it is that simple