Car Insurance policy cancelled with immediate effect on policyholder’s death


On 27th June, my mother passed away and when I called to inform her car insurance company, they cancelled her policy with immediate effect. I am a named driver on that policy yet from that moment was unable to legally drive her car. So, I can!!!8217;t legally drive it, remove it from her address, allow anyone to test drive it to sell, take it to a new owner or even drive it around the block to keep the battery going – not without taking out a new insurance policy.

I cannot take a new insurance policy on the car unless I am the registered keeper and cannot drive it on my own car insurance (that allows driving of other vehicles not belonging to me) as this requires the car in question to have its own insurance policy on it !!!8211; which of course my Mum’s insurance company has just cancelled. All I can do is take !!!8216;temporary insurance!!!8217; which in my case will cost over £200 for just 2 months! This is ridiculous and many people just don!!!8217;t have that kind of money.

My insurance broker told me that they have been giving this as feedback for years, and that it is heart breaking to have to tell people crying on the phone that an insurance policy is cancelled with immediate effect. insurance companies with their own underwriting service are able to offer a 30-day grace period, but anyone whose loved one used an insurance broker will find the car insurance policy cancelled immediately! A sensible and common sense approach surely requires that all car insurance should give the same 30-day grace period?

I feel so strongly about this I have started a petition on Can you all please support? Not sure if I can post links but go to and search:
“Legal requirement that car insurance gives 30-day grace period upon death of policyholder”

Thank you!


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