Why Not Phone The Insurance Company And See What They Want To Do?
Why not actually ring an insurance company on their 0800 number and ske them?
You explain the situation to them, being 100% accurate with your information and they will use whatever information you give them to give you an answer.
Ive worked in home insurance (Which is different) in the past and I know that there is a general ruling that states that an item on loan is allowed to be insured as if the borrower actually owned the item. Otherwise you can not hold an insurance policy. So, for example, I could not insure your wedding ring for damages, but if you lent it to me I could.
I would assume that the most likely scenario would be in place.
- Sons are named as "borrowinfg" the car and are therefore classed as the registered keeper. This would enable them to insure and use the car. I guess they may require some paperwork to prove this and they may put a time limit on the policy.
- Father is named as the main insurer but with the additional endorsement that he can not drive it while diagnosed with with Dementia. Your sons would be named as additional drivers.
I woud suspect the first scenario is more likely as they do like the main policy holder to be driving more mileage than the names drivers, which obvioulsy wont be the case here.
In any case, be 100% honest with them and they will help you as best they can. If they cant help you, thank them, be polite and ask them for information on what to do next. They may advise you that its against company policy and may advise you of a certain company to try next. They may tell you is unlawful and would advise you of how to make it lawful. Or it could be something else.
One BIG tip with insurance companies. Learn to read between the lines and listen out for hypothetical situations. They arent allowed to tell you how to bend the rules directly.
Let me give you an example of a call I had when I worked for a famous extended warranty company
Call - My son lost his phone
Me - Im sorry, we dont cover for loss, we do however, cover for irretreivable loss
call - But my son lost his phone at school
me - Then Im afraid its not covered. However, if he had lost it on the way home from school, for example, dropped it and it fell into a river and it would be far too dangerous to expect him to retieve it then it would be covered,
Call - Did I say he lost it at school? Im sorry, I meant he lost is on the way to school. It fell out of his pocket and bounced into a river
Me - Ill send you out a claim form madam.
That last bit was 100% irrelevant to this thread but it just remined me of that call.