Can you insure a building against an owner's will?

[Deleted User YDKXO]

Is the property compliant with current standards and in an insurable condition ? Your description makes it sound rather run down .

As i say, you really wouldn't want to stay there

 

[Momac]

As i say, you really wouldn't want to stay there

I imagine your mother in law realises the property needs updating. I wonder whether she knows more than she is telling you. Perhaps some work is required to meet insurers minimum requirements for the buildings insurance to be valid - and she is unwilling or unable to deal with that.

 

[John100156]

Maybe I'm missing your point Mike but can you not just set up an online insurance policy, in your mothers name, paid online by you, no paper documents just electronic only, to an email address she won't see? That way the insurance is in her name (which it needs to be to chime with ownership of the insured asset) but she wouldn't necessarily know anything about it. Pay by dd from your account for future renewals, correspondence to an email address set up by you for this express purpose?

Cheers
Jimmy

I reckon Jimmy had it back in #10:- If ever there was serious damage/claim and you then told MiL, not to worry, her devoted daughter and SiL has a policy in place, she would surely be relieved/delighted and could tell the Insurance Company it was her policy, in her name and make the claim. In the interim, the insurers have had their rightful premiums paid in full for the risk.

Hey, I wonder if I could pull the same trick with my boat insurance, where's my SiL's phone number..... Me thinks MiL is not as dumb as she might seem after all.....