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Main Section => Welcome to our virtual Pub Meeting ... => Topic started by: LRTR on July 19, 2021, 08:41:51 AM
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I had an accident in my S2 yesterday, my brakes failed going down hill so i had to drive it into a bank to stop it. Fortunately I'm ok and no one else was involved. There is a lot of damaged to the passenger side front including a bent chassis rail.
Before I phone the insurance company, does anyone have any advice? I'm hoping they will rebuild it but if they write it off I want to be able to keep it as most of the parts are salvagable. I have had it recovered home. It is fully comp and has an agreed value of 12k.
Thanks
Matt
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Matt,
Sorry to hear that and glad you are OK and nobody injured.
It will probably come down to what you have valued your vehicle at and whether it is an agreed value or just relative market value.
If you think its rebuildable, then you should be able to purchase it off your insurance company for a nominal sum, but it will be recorded as a total loss being not cost effective to repair.
Either way, you have to notify your insurance company, but let them make the initial assessment, see what they propose to offer you and then perhaps come back here for a bit of general input on how best to proceed. Do not accept any insurance offer without getting advice and start getting values of equivalent vehicles - what would it cost you to replace like for like?
You need to be clear in your mind what your anticipated outcome is. Would you ultimately want to keep the vehicle? Would you want to rebuild it, or scrap it for spares?
If you play your cards well, you might come out of this quite well...
Keep us posted!
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Unless the main chassis rail is significantly bent, most chassis damage is repairable. Front dumb irons and the whole front chassis including the steering relay cross member are replaceable. How extensive is the damage?
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Hi Matt,
Commiserations. It's always a nasty feeling, afterwards.
But to your question.....
If the insurers take your truck, because either of you insist, it will cost them £12,000 (presumably) and they will sell the wreck for £2,000 (see WANTED ads on Ebay). That would suggest, that they should consider giving you £10,000, and let you keep your truck. We should be so lucky!
There is also the matter of NCB. I suspect that normally a total/economic write-off will terminate your present policy, and cancel your NCD AND CANCEL YOUR PRESENT POLICY, If you own any other cars, you should declare this accident at their next insurance renewal ... and get frowned at. You Landy will be deemed an economic write off, recorded on the V5, and be considered "unclean" by potential purchasers. I suggest that there may be advantages in buying a scrapper, and rebuilding it with a new chassis, and a mixture of the "pickings" from your truck, and new parts. I'm guessing £5,000, plus another £2,000, if you want a new bulkhead.
As my/our cars and house are all insured with the same company, I tend to assume that all the various departments are aware of any claim made on any one of the policies. :whistle
Your registration plates may have a value. Ask an expert how to save them on retention. The same may apply to the plates on the vehicle you rebuild. I'm out of touch with such things. If the insurers insist on scrapping your truck, remember to include the value, if any, of the registration. Somebody else had better advise on that.
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Overtaken by Diffwhine, but I won't bother changing mine.
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If most of the parts are savable and you have the space, skills and cash then buy a new chassis and swap the good bits over. Keeps it out of the hands of the insurers. Oh and we like pics :tiphat
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Sorry to hear of this.
1) The main and most important thing is that no one was hurt :first
2) Next, you have recovered the vehicle back to your own property.
You have control over it - no storage fees etc.
3) And you have an agreed value policy.
I trust you have plenty of before pictures of the vehicle and you have pictures of the accident scene and damage done.
You will need pictures to support your valuation if the insurers get stroppy and try to mark it down.
4) Brake failure, do you know how or why - what went wrong ???
Good luck....
:RHD
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That must have been a gut-wrenchingly terrifying experience - very glad to hear you weren't hurt.
I too would be interested in what happened with the brakes - there might be a lesson here for us...
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I would like to rebuild it if possible, I spent a lot of time rebuilding it with a galvy chassis and bulkhead, rebuilt engine etc.
The passenger front wheel took most of the impact, it buckled the wheel, snapped the u bolts on that side and pushed the axle back slightly, snapping the front prop u/j in the process. The chassis rail is bent just behind the front wheel but before the bulkhead foot, The bulkhead has twisted slightly.
I don't know what caused the brake failure, they were working fine up until that point, the brake hose broke during the accident, so I can't tell at the moment if there was fluid loss that caused it or not and the bonnet is too mangled to open.
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Glad everyone is ok.
Under no circumstances let the insurance company take your vehicle away. If they want to "assess" the damage then they will have to come to you. That way, you remain in control of the situation.
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You will need pictures to support your valuation if the insurers get stroppy and try to mark it down.
Hi,
When Barbara's SAAB did a wheelie, in reverse gear, LV wrote to her saying that their refence books did not go back far enough ... their best valuation was £250 for a car several years younger ... and would she like to provide evidence that her car was worth more.
We provided a copy of a valuation page from a classic car magazine, copies of Ebay listings, and a letter from the one-man SAAB dealer, who serviced her car. LV sent a cheque, for the original claim, by return of post.
The assessor, stopped counting, when he reached £7.000 for body parts. The drivers door was still jambed against the front wing, and wouldn't close. All four corners, bonnet and boot lid, were damaged. Passenger door and roof panel were OK, though.
602
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I rolled my 90 on ice, extensive panel damage. The insurers had it recovered to a garage where it was about to be declared beyond repair and scrapped.... I had to insist loudly that the vehicle was MINE and did not belong to the Insurance company, I wanted it returned to ME, which eventually happened. There then followed some discussion about writing it off and buying back the salvage... the first clerk I spoke with was utterly bemused by the concept, had never come across the idea. In the end they paid out but knocked £1200 off the value. Given the vehicle was sitting on a nearly new Galv chassis I think I did OK on that ?
I then rebuilt the vehicle with professional assistance in terms of some panel beating of the rear tub and a re-spray, together with 2 new wings, 3 new doors and the bonnet and roof from an earlier vehicle. I contacted the Insurers about getting it back on the road - they required a new MOT.... The MOT tester was confused - "Its got a valid MOT".... but did it anyway, Insurers happy, vehicle back on the road, albeit with a "marker" saying it had been written off as uneconomic to repair. ..... That was 11 years ago.
So you are ahead of the game by having the vehicle on your property, make sure it stays there and any work on it is under your control. Haggle with the claims settlement people about the replacement value - for future reference its worth getting an "agreed value" on the the vehicle. Adrian Flux want £15 and photos... Good luck !
Outcome, pic taken 5 years after the rebuild...
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Ask a silly question but, do the insurance company need to know about it?
If I had an accident where no one else was involved, I would keep quiet, put the vehicle on SORN and set too repairing it myself?
Craig.
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Good point if there is no intention to make a claim to cover the rebuild cost. Judging by the description above, it does sound like a somewhat costly repair without insurance support???
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Firstly, is the new chassis stamped with the correct 'car number'?
I had a car written off that was nearly new, and got a 'new car replacement' (eventually, but that is not relevant here). The car was mine until I accepted a settlement on it and could have purchased the salvage if I wished (I declined). I spoke to the repairer when it was declared a write off, and he said it was 'repairable', but not economical. In reality, the car was repaired and put back on the road - its records shows it had an MOT after repair, and presumably an inspection (hence the number stamped in the chassis).
I have agreed value with Peter James and have made a declaration that I would want to buy back the salvage and repair the vehicle 'irrespective of cost' if practicable! I also have the highest valuation I can get away with, not to inflate it, but to increase to a maximum the damage that can be repaired without write off.
My car would have been repaired for me at four months old and less than 3000 miles had a new bodyshell been available, and the repairer said that they do actually carry out these repairs if possible! Sold as salvage, the repairs could have been carried out with second hand parts and presumably pulling the distortion out of the shell?
If a galvanised chassis is bent, it can still be straightened, although may compromise the galvanising; likewise, the bulkhead can be straightened as well.
I would insist on an inspection/damage assessment by someone who understands separate chassis vehicles and is aware of what parts are available!
Yes, you can repair it yourself, and then undergo an MOT and appropriate inspection (an identity check is required to ensure it isn't a 'ringer').
Sunny Jim
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Richie Jones (South Wales Area rep) has been through just the same experience, his LR was put on its side. Bent bulkhead etc.
Suggest you contact him. I don't see him on the forum, but there was a brief write up in B2L.
I tried to persuade him to write a proper article for B2L.
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Ask a silly question but, do the insurance company need to know about it?
If I had an accident where no one else was involved, I would keep quiet, put the vehicle on SORN and set too repairing it myself?
Craig.
My thoughts were similar too however, what if 'other parties' such as the police (blocking the road) or local council (clearing up any debris / glass / collateral damage get involved? One would expect there are 'costs' associated with such activities and they would want to reclaim them from someone?
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If you get found out, the insurance company could invalidate your insurance. Any excuse to stop them paying out for future claims.
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^^^^ I doubt it. If you repair the damage to your car, without claiming on them they are quids in. If they made a fuss about people repairing their own vehicle, where would they draw the line, an ebay bumper, a touch-up pencil, rubbing out a scuff with T-cut ?
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Hi,
Provided that you have, or once had, a driving licence to cover the vehicle that you are driving, and are NOT disqualified, the previously mentioned Road Traffic Acts make it very difficult for the Insurers to resist paying a THIRD PARTY claim. That's INJURY, DAMAGR TO PROPERTY, and PASSENGER LIABILITY.
However ... the same RTA specifically states that there is nothing to prevent the Insurers from suing the Perp, to recover their losses.
I'm not sure that that clause cannot be used to include legitimate claims, and only the thought of bad publicity, prevents them doing so. Discuss!
Those firms who are rich enough to deposit £1,000,000 (probably more now) are covered for their entire fleet. It seems (from our experience) that they leave the million pounds where it is safe, and resist paying any claims for as long as possible, if ever. ... effectively until everybody is standing on the court room steps.
If you can't afford to fight them, add another £10 to your insurance premium, for LEGAL PROTECTION. I'm glad we did, but even then it took two years of unanswered correspondence (from our insurers), before everybody met on the courtroom steps.
Perhaps it's lucky that Barbara managed to report the incident to a police driver who was sitting on his elevated platform, above the M4, within minutes of the collision. All the evidence was there ... heavy rain, strong side winds ... dark ... .and no working lamps on the SAAB. The Sergeant uttered a mighty oath when Britannia Rescue arrived within 20 minutes of Barbara's phone call.
602
602
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If you get found out, the insurance company could invalidate your insurance. Any excuse to stop them paying out for future claims.
Check your policy, but I think most companies require you to inform them of any ‘incident’.
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Check your policy, but I think most companies require you to inform them of any ‘incident’.
True enough - Mine says "You must report all claims, whether or not they are your fault and whether you plan to make a claim or not. You should call to report your claim as soon as possible and within 12 hours of the incident occurring. "
That said, I'd be willing to suggest that its unenforced and unenforceable. As per my previous example - do they really want a call about a a small scuff on Tonka - ignorable or even on the Merc, where a bit of T-cut will solve the problem. Perhaps the same scuff would result in a £300+ panel respray on a new car ? ... I suspect they actually mean "If you damage someone else property/person we want to know..." ?
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That's exactly how I read it.
I've also come to a few extra curricular agreements with third parties over the last few years. Saved a lot of bother. I might add that I was innocent every time!
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^^^^ I doubt it. If you repair the damage to your car, without claiming on them they are quids in. If they made a fuss about people repairing their own vehicle, where would they draw the line, an ebay bumper, a touch-up pencil, rubbing out a scuff with T-cut ?
Reading these posts with interest I support the above view.
Lets say I am moving my car on my property into my garage and I dent the wing against the garage door post. Or I drive over a deep pot-hole and damage my suspension. I replace/repair the damage or have it done by a specialist. Speaking as someone not claiming to know insurance law, I don't believe I have any obligation to notify anyone.
I can`t imagine why an insurance company would be interested and as Genem has said, where would they draw the line? They`d be inundated with reports of trivial damage and they're whole system would grind to a halt.
On a lighter note, did you hear the one about the insurance claimant, "I was driving home when I saw a man in the middle of the road and he didn't know which way to go, so I ran him over"
:grinder
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^^^^ On a par with the response to the "What gear were you in at the time of the incident"..... "Boots, Combat trousers and Jersey, Heavy Wool".
:tiphat
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Not.much experience with the question asked I'm afraid, but glad to hear you are OK!
I was actually looking at photos of DNU just yesterday on the 6dh thread thinking how good it looked (certainly better then when we found it in that field!)
Best of luck!
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my thought is this , did it have a MOT on it , i no you dont need one but your insurer could clame that s was not in road worth condion as you had a break failer , and you could end up with points etc ,
my self i would just take it on the chin and fix it my self , or drop it on a new galv cassis ,
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The thing that's not been mentioned in any of the scenarios above - is your excess.
I bet most have an excess set of some sort ??? £100, £200, £500
If your damage is not significantly more than your excess then you cover the cost of repairs out of your pocket.
If you do £210 damage and it's your own fault then if your excess is £200 you are going to pay that yourself and not bother your insurers.
If it's a police job you need to tell your insurers.
You need to tell them if you damage someone else's property or injure someone you most definitely have to inform the police and tell your insurers.
After my little accident earlier this year, the other person's insurance paid for my hire care AND my excess.
Although my records shows I had a "claim" not a blemish on my record - all costs were fully recovered from the other party.
:RHD
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Although my records shows I had a "claim" not a blemish on my record - all costs were fully recovered from the other party.
After my incident with my nearly new car being written off, the claim had still not been settled a year later, but on renewal the Insurance rep agreed that this wasn't my problem and dropped the extra premium that would have been charged and altered my record to 'full recovery made', and didn't ask for the excess to be paid. My insurance actually went down significantly after the incident, something like £60, so I stayed with the company, even though it took them months to sort the new car out. This also put my insurance up on the Land Rover until the car insurance company agreed to mark it as 'recovered' then they (Peter James) knocked the extra they had charged the previous year off my renewal!
Sunny Jim
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Hi,
I repeat my advice to take out the LEGAL PROTECTION add-on to your policy. It used to be an extra £10 added to your premium. Still?
In the incident involving an articulated "curtain sider" doing a "can opener job" on Barbara's SAAB, on the M4, the owners of the truck (a major super-market), simply ignored all correspondence. As the truck was self insured, what did they have to lose?
Luckily, we had LEGAL PROTECTION, who took over the claim, and even then, it took nearly two years to get the truck's owners into court. They did the proverbial ... and "settled on the courtroom steps" Our insurers promptly re-instated Barbara's full NCD, and refunded all the extra premiums he'd had to pay.
The SAAB was a write-off, so Barbara had been paying for fully-comp on her first (of several) brand new KIAs.
If we had not had legal-protection, there would have been no way that we could have taken on a major supermarket.
Think about it!
602
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I repeat my advice to take out the LEGAL PROTECTION add-on to your policy.
In my case the 'Legal Protection' was next to useless. I got back my numberplate transfer fee and my train fare to go and pick up my new car. I did not get back all the car hire costs I incurred - I used to use my car regularly (and the Land Rover sometimes) for work. They said I should have acted to reduce the value of my claim! In reality, it took from early August to the beginning of October before the Insurance company even ordered the car, and until late December for it to be available for me to collect from Birmingham. I personally think legal cover is pretty over rated, they don't seem to act in the customers interests at all!
Sunny Jim
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Hi Sunny Jim,
I may be wrong, but you seemed to have been fighting your own insurer ... who arranged the Legal Protection.
Both of Barbara's claims (both SAABs), resulted in the wreck being removed from outside our house, within an hour of her contacting her insurers, and a hire car being delivered minutes after that.
Hey! Hang on! The second incident (running amok in reverse gear, from a standing start, and writing off my Disco, I might have the photos somewhere) involved me claiming off her insurance ... no point in us both losing our NCDs. NOBODY OFFERED ME A HIRE CAR.
A belated thought ... if you car is insured for two named drivers, will both drivers be allowed to drive the hire car? Or get one each? :whistle
a warning ... if your car is a "write off", then that insurance policy is also "written off". You will have to pay for a brand new policy, but hopefully retain some of your NCD. But if the replacement car is brand new, there is a double whammy.
1. If a car is damaged within 12 months of NEW, the insurers will replace it with another new car. (Is that a legal requirement?) Expect a hike in the premium. I don't know if the second years premium continues at the increased level.
2. HMG will penalise you for buying a new car, by charging extra for it's first years VED. I haven't got my head abound either the logic, nor the math.
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Hi
When I bought the Suzuki Jimny, I did not examine the log-book (V5).
I was only months later, when reading the V5 (as you do), that I noticed that it had been subject to a ECONOMIC WRITE-OFF...Cheaper for the insurers to pay the "book value", claim the car, and shove it into an auction.
Until then, I was not aware that this would be recorded on the V5 ... and DVLCs memory banks. I do not know if there is a way of wiping that information off the record. The vehicle is tainted, and I doubt that a finance company will offer HP.
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“a warning ... if your car is a "write off", then that insurance policy is also "written off". You will have to pay for a brand new policy, but hopefully retain some of your NCD. But if the replacement car is brand new, there is a double whammy.”
That’s incorrect. You can transfer the policy onto a different car, same as if you sold it and bought a different one.
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Quite right ^^^
The policy is not "written off".
My own policy is about ME. It rolls as and when I change cars and/or add or remove other drivers.
The renewal date is the same each year and doesn't change if I change cars.
It might have been the case years ago - and the insurers can always refuse to insure you for various reasons.
After my accident this year, the car hire insurance/agreement carried over seamlessly - all my named drivers could drive the hire car (I had it for 5 weeks) as it happened I was the only one who drove it.
The only very slight hassle was the age old con of conning your for a full tank of fuel when you hand it back.
I managed to come out on top.
I was not out of pocket by 1 penny (which is how it should be).
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That’s incorrect. You can transfer the policy onto a different car, same as if you sold it and bought a different one.
This was my experience also. My policy expired before the new car was delivered, and I wasn't required to renew it until I got the replacement, the premium for the new car was less than the old insurance, although it was loaded because the claim wasn't settled. This was refunded as the other party had admitted liability, even though the claim wasn't settled (the claim was of the order of £20k, although it was interesting that the paperwork for the purchase of the replacement vehicle was left in it, and showed just how much less they paid than standard 'retail' price.
I also had outstanding HP on the written-off vehicle (you got a discount if you took out their interest free credit!), I was able to simply transfer this to the replacement vehicle, and it was paid off on the originally planned date with no extra cost.
Sunny Jim
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That is incorrect
Hi,
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. :thud
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. ???
:can_of_worms (twice)
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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.
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That is incorrect
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.
I suspect it's a requirement to do this, buried in the general requirement to inform the insurance company of anything they might be able to charge one for, if nowhere else. In any case, the name of the "principal driver" would need to be changed (and presumably that of the policy holder, too).
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If the policy holder dies - that's it, policy null & void.
Named drivers shouldn't.
With most top end insurers the widow has to contact the insurers ASAP and get the policy changed to their name - or more likely ....
The policy will be cancelled and they will be able to start up a new policy with any remaining paid days on the old policy carried forward with an adjustment payment.
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Hi,
I think I've already mentioned the driver of a Renault Dauphine who parked it in the back of my Minivan. I was stationary at pedestrian traffic lights, in RAF uniform. The driver of the car in front climbed out saying "This always happens when I buy a new car!. My first move was to salute him ... he was a Squadron Leader. He didn't have to return the salute, coz he didn't have his hat on.
The Renault driver seemed to be drunk ... slurred speech, etc ... so the police dealt with us two victim, first, and let us on our way.
The "perps" insurers responded to my claim ... "Our client had suffered a heart attack, of which he had no prior warning, therefore we will not entertain any claim against him". (Discuss!)
The police said they had warned him not to drive again, until his doctor said he could. (This was 1964, so pre-DVLA days)
Luckily, the Mini was being bought on HP, so was my first car to be insured Fully Comp.
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.... which is why you should have legal protection added to your policy.
You should never have been out of pocket or at fault over that incident ^^^
Just because their client died at the wheel does absolve his insurers from fault, they have to pay out.
Too late now ...
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Hi Alan,
This was in 1964, so before I met Barbara (just). The other driver was the local representative of a large insurance company ... I dated his secretary for a short period. :cheers
She told me of a similar (and recent ... then) case involving a bus driver, who had passed out at the wheel, resulting in several injuries.
The court decided that he had NO PRIOR WARNING, so could not beheld legally liable. This was before Passenger Liability was required, in addition to Third Party insurance.
I'm guessing that the legal requirements have been "enhanced" since then, (EG. Passenger Liability became a requirement), to avoid such evasions, and premiums escalated.*
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* My Reliant Scimitar GTE red-lined at 6,500RPM, and pulled 30mph per 1000RPM in overdrive top. Oh OK, in theory, it could.
The premium was £32 per annum for TPO.
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Things have moved on in the last 60+ years ....
Your insurance package includes far more cover these days, yet in real terms the premiums are about the same when you take inflation into account.
Some of us are paying sub-£100 for our Land Rovers. I'm paying sub-£200 for my posh modern car !
All with various insurance covered "extras".
:cheers
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Things have moved on in the last 60+ years ....
Hi Alan,
Probably true.
My first car was a BSA three-wheeler, open 2-seater, with a 4 cylinder, 8hp, water cooled engine. Me aged 17, provisional licence, living in Croydon (now South London). The TPO premium was about £8 ... Prudential. More than two weeks wages.
The next car that I can remember insuring was a 1931 MG L-type Magna ... MG Midget look-a-like, but four seats, into which I had fitted a 1936 Vauxhall 10 engine. The Pru wanted £20, so I shopped around, got TPO for a bit over £10. The RAF were paying me well under £10pw, but "all found".
Next memorable premiums were for a Reliant Sabre 6 (think Ford 10 special with plastic body, and a straight 6 Zodiac engine) followed by Robin Rews "racing" Reliant Scimitar GTE ... both about £30 for TPO. Mid-1970s.
Frankly, I have no idea what we are paying for my Freelander, nor Barbra's new Hyundai IX20,and it would surprise me if Barbara could tell you without checking. Our pensions go into the bank, and everything is paid by standing order. It takes all the fun challenge out of life.
No longer do we wait for the red reminder ... and pay half ... and pay the other half next month. I suspect we were not alone in that ploy, as the utilities NOW refuse to accept part-payments.
If push comes to shove, Building Societies will probably allow you to miss a months payment provided you ask ... but only once. Been there, done that too ... but a long time ago.
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I was a named driver on my uncle’s car for several years. When he died I called the insurers (Hastings) and informed them of his passing and they issued a temporary (four week) certificate in my name to enable me to MoT and prepare the car for sale. They were really helpful, and made it clear that if the first four weeks were not enough then they would extend, four weeks at a time, until his original expiry date was reached. It took a little over six weeks to get the car sold, and when I called them to notify the change of keeper and that cover was no longer required, they refunded my auntie the portion of his premium from the day he died. I appreciate not all insurers are going to be as comprehensively helpful, but I was really impressed.
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If the policy holder dies - that's it, policy null & void
Hi Alan,
Thanks for that.
Er ... I assume the same applies to house insurance?
I suppose that usually a solicitor becomes involved soon after, but maybe it would be an idea to advise your NoK, before the event?
My father told me of a woman who wrote to the insurers, asking if she could stop paying her husbands insurance premiums, as money was tight since he died.
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Yes the policy dies with the holder.
Usually the NoK want the insurance to continue whist the estate goes to probate and until the property is sold off.
Most insurers are sympathetic and let the remaining time on the policy run on and cover can be arranged until the sale of the house.