My 89-year old father had a stroke last August which affected his peripheral vision in one eye. He has not driven since but the doctor has not actually told him to contact the DVLA or insurance company so my son (who lives nearby) and myself (who live 60 miles away) who are both on the insurance policy have been driving him and my mother around in his car. The renewal has just come up and we had decided that the best thing to do was insure the car in my name with my son as a named driver. This has pushed the premium from £799 with his company to over £1,400. I was told this is because I do not have an NCB with them and that I could transfer my own from my policy but this would evidently affect my own premium. I then contacted another company who informed me that I could not insure my father's car for myself as he is the registered owner and keeper. Please could someone advise what is the best /cheapest course of action to keep the car at my father's address but with my son and myself as the sole drivers. and without this impacting on my own insurance costs. I would add that my own car is a three door and cannot therefore accommodate both of my parents as they are not agile to fit into the back.

Any advice would be immensely appreciated.