That is incorrectHi,
It looks like I will have to bow to superior wisdom. Or maybe things have changed since I was in short trousers?
The logic (as I understood it) was that if your insure your car, and pay a premium to cover a set period. This is effectively a contract to replace your car, if it is written off, or stolen.
So, you insure your car, and the following day, it is stolen. Your insurers buy you a new car. The following day, that car is stolen too.
I suggest that the insurers would be a little miffed to pay out for two new cars, on the strength of one premium. Wouldn't you?
There is also the matter of named drivers. Hubby buys a car, registers it in his name, and insurers it for both himself and his wife to drive.
Hubby (the Policy Holder) pops his clogs. Is his widow still insured to drive her dead husbands car? I understand this is not an unusual situation ... but I admit that I don't know the answer. I suggest that Wifey contacts the insurers before driving the car.
It is possible, and not unusual, for husband and wife, or anybody, to have both names on the V5 as Registered Keepers. I wonder if that makes them both liable for their un-taxed, and uninsured, car parked on a double yellow line.
I assume that two (or more) people can be the Insurance Policy Holder.
(twice)
602
PS. If Hubby dies, his widow will have to inform DVLC. I assume she will have surrender the VED, get a refund, and re-tax the car ... thereby losing a months tax in the refund, and then retax it, starting from the 1st of the current month. That would feel like a double whammy (probably isn't).
DVLC will not (or did not) include months for which VED HAD been paid, when calculating back duty, so she would
probably be safe not paying for the voided period. But don't take my word for it. Things may be different if Hubby was disabled, so his VED was free. Me? I would have cancelled the penalty, in such a case ... but I can't remember if those were my instructions.
"*** it!". If push had come to shove, I'd have paid the penalty myself ... the first time.