Do I Have To Pay My Husbands Motor Insurance After He Has Died?
My husband has been insured since april this year, next to his step son as his named driver. His step son had an happenstance and made a claim 3rd party fire and theft individual.
Since August my husband has sadly historic away and now the insurers say that i enjoy to pay for the full 12 months policy. We have already compensated 4 months of insurance up until his death.
Why are the insurers asking me to pay for the subsequent 8 months when my husband is no longer around.
Any advice would be great,
Thanks
Answers:
no you do not have to pay the policy
if it be in your husbands name next it is your husband
the debt should NOT be passed on to you
ring or write a letter to the insurance company giving your notice to quit.
Sorry for your loss and hope it adjectives works out
Source(s): Insurance
Unfortunately, you do still owe the remaining balance. As a claim was made, the insurance have effectively "been used", therefore, it must be salaried for. Although they cannot pursue you personally for the debt, they can claim the money from your husband's estate. Sorry, but corporate greed is always like peas in a pod, irrespective of personal circumstances. Source(s): Insurance Broker
Do you still own the car? If so,, then it does have need of to be insured in case of fire or breaking and entering. Take care.
Quite callous of the insurance bods. We had a similar situation some time hindmost (I'm in the UK), it was lone resolved when we sent them a copy of the death certificate, single then did they believe us and cancel the debt.
Speak to your local Citizens Advice Bureau for proper decriminalized advice or book a few minutes with a solicitor - most dispense you a free 30 minute consultation (I've even rang a few before and spoke to them over the phone and they've be really helpful).
Good luck and all the very best.
I sincerely sympathise with your situation. Insurance is an annual contract and so contained by theory 12 months premiums should be due to be paid (especially surrounded by the event of a claim)
However in view of the circumstances I can't envision why the insurance company are asking you to pay the remainder of the policy.
I work for an insurance broker and if we have someone pass by away we write off the balance of the policy and wouldn't dream of asking for the difference - as long as a passing certificate can be provided.
I would continue to ask them to clear the debt and except then it will have to come out of his estate.
I yearning you luck.
Because the son was the driver they may reflect on he is still driving. You do not have to pay an insurance company for not man insured and since you no longer own the vehicle just inform them you no longer require coverage and you do not intend to pay as of your husbands endorsement.
It is possible that the policy would have been for a year, but the insurance company effectively allowed interest free credit to payment it in 12 instalments.
By claiming for the Son's accident, this have 'used' the insurance and late husband's estate still owes the rest of the debt.
You have adjectives his assets and debts.
Interesting, you were 16 a month ago. If so, no, the debt does not pass to you.
Sorry to hear around your loss.
1 - Its against the law to have more than one insurance policy out on indistinguishable car.
2 - Phone them and explain, you shouldn't have to reward the full amount but i expect you will have to pay a "go and get out claws" because you are affectively breaking a contract.
3- If they do not help you, speak to Citizens Advice.
Good Luck xx
Related Questions:
Since August my husband has sadly historic away and now the insurers say that i enjoy to pay for the full 12 months policy. We have already compensated 4 months of insurance up until his death.
Why are the insurers asking me to pay for the subsequent 8 months when my husband is no longer around.
Any advice would be great,
Thanks
Answers:
no you do not have to pay the policy
if it be in your husbands name next it is your husband
the debt should NOT be passed on to you
ring or write a letter to the insurance company giving your notice to quit.
Sorry for your loss and hope it adjectives works out
Source(s): Insurance
Unfortunately, you do still owe the remaining balance. As a claim was made, the insurance have effectively "been used", therefore, it must be salaried for. Although they cannot pursue you personally for the debt, they can claim the money from your husband's estate. Sorry, but corporate greed is always like peas in a pod, irrespective of personal circumstances. Source(s): Insurance Broker
Do you still own the car? If so,, then it does have need of to be insured in case of fire or breaking and entering. Take care.
Quite callous of the insurance bods. We had a similar situation some time hindmost (I'm in the UK), it was lone resolved when we sent them a copy of the death certificate, single then did they believe us and cancel the debt.
Speak to your local Citizens Advice Bureau for proper decriminalized advice or book a few minutes with a solicitor - most dispense you a free 30 minute consultation (I've even rang a few before and spoke to them over the phone and they've be really helpful).
Good luck and all the very best.
I sincerely sympathise with your situation. Insurance is an annual contract and so contained by theory 12 months premiums should be due to be paid (especially surrounded by the event of a claim)
However in view of the circumstances I can't envision why the insurance company are asking you to pay the remainder of the policy.
I work for an insurance broker and if we have someone pass by away we write off the balance of the policy and wouldn't dream of asking for the difference - as long as a passing certificate can be provided.
I would continue to ask them to clear the debt and except then it will have to come out of his estate.
I yearning you luck.
Because the son was the driver they may reflect on he is still driving. You do not have to pay an insurance company for not man insured and since you no longer own the vehicle just inform them you no longer require coverage and you do not intend to pay as of your husbands endorsement.
It is possible that the policy would have been for a year, but the insurance company effectively allowed interest free credit to payment it in 12 instalments.
By claiming for the Son's accident, this have 'used' the insurance and late husband's estate still owes the rest of the debt.
You have adjectives his assets and debts.
Interesting, you were 16 a month ago. If so, no, the debt does not pass to you.
Sorry to hear around your loss.
1 - Its against the law to have more than one insurance policy out on indistinguishable car.
2 - Phone them and explain, you shouldn't have to reward the full amount but i expect you will have to pay a "go and get out claws" because you are affectively breaking a contract.
3- If they do not help you, speak to Citizens Advice.
Good Luck xx
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