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Original poster

Husband has told me he’s taking me off insurance on his car - is there anything I can do?

160 replies

CeePeeEll · 16/08/2021 16:17

We’ve separated

He’s registered as the keeper although it’s a joint asset - it’s worth more than mine which he took when he moved out (I think he’s had a change of heart as my little banger doesn’t do his image any good Hmm )

I need this car to accommodate all my kids - the other car he’s driving was a run around and is too small- it also needed essential works doing to it which he’s not done and his sister has informed me he’s been doing 1000’s of miles on it since he drove off in it

I’ve rung my insurance and they’ve said If the car has a policy on it already (and he’s taken me off as a named driver) there’s nothing I can do

I’m going to be very stuck without a car in the summer holidays stuck in the middle of nowhere - and I don’t want to drive uninsured

any ideas?

OP posts:
MotionActivatedDog · 16/08/2021 16:19

Who is the registered keeper of your car that he is driving?

Ozanj · 16/08/2021 16:23

If the policy is in joint names then you can wreck it in a way you can still get a payout (google it). The insurance company will then have to give you 50% of whatever it’s worth as you are seperated.

CourgetteGlutTony · 16/08/2021 16:29

@Ozanj

If the policy is in joint names then you can wreck it in a way you can still get a payout (google it). The insurance company will then have to give you 50% of whatever it’s worth as you are seperated.
How on earth would this work? It’s not her policy, the insurance company wouldn’t have to pay her anything. Police might be interested though Confused
SimonJT · 16/08/2021 16:31

@Ozanj

If the policy is in joint names then you can wreck it in a way you can still get a payout (google it). The insurance company will then have to give you 50% of whatever it’s worth as you are seperated.
So you’re advising the OP to commit insurance fraud, very sensible advice.

Who paid for the car? Do you have proof of purchase?

Ozanj · 16/08/2021 16:32

The car is in his name. But if the policy is in joint names then the company are legally bound to split in the absence of a legal arrangement

Laska2Meryls · 16/08/2021 16:34

If you are still insured atm drive it to a far off town park it in a multi storey pay for an hour and get the train home..
Its his car, he can deal with it once its found....

Killahangilion · 16/08/2021 16:35

@Ozanj

The car is in his name. But if the policy is in joint names then the company are legally bound to split in the absence of a legal arrangement
What a load of Tosh!

The policy isn’t in joint names.
You have a named driver then other drivers are added to the policy. There is only one policy holder.

SimonJT · 16/08/2021 16:35

@Laska2Meryls

If you are still insured atm drive it to a far off town park it in a multi storey pay for an hour and get the train home.. Its his car, he can deal with it once its found....
I’m fairly certain the OP won’t be up for stealing a car.
Iusedtobesoooomuchfun · 16/08/2021 16:35

I'm not sure I understand. Sorry. Do you have a car you can drive? Or has he taken the only car?

JanisJ · 16/08/2021 16:36

Take him off the insurance on your car.

Killahangilion · 16/08/2021 16:37

You need to see your solicitor to sort out a legal separation and divvy up your joint assets.

CloseYourEyesAndSee · 16/08/2021 16:37

Does your own police cover third party on other vehicles?
Can you take out a policy yourself on the other car?

MotionActivatedDog · 16/08/2021 16:38

@Iusedtobesoooomuchfun

I'm not sure I understand. Sorry. Do you have a car you can drive? Or has he taken the only car?
There are two cars. Husband took one and left OP with one but he has now removed OP from the insurance of the car he has left her with so she can’t drive it. The car is in his name and he is the policy holder so OP can’t Insure it in her name or sell the car.
Kinneddar · 16/08/2021 16:38

If the policy is in joint names then you can wreck it in a way you can still get a payout (google it). The insurance company will then have to give you 50% of whatever it’s worth as you are seperated

And the award for the most stupid post of the day goes to......

Yeah committing insurance fraud is great advice

TheABC · 16/08/2021 16:41

Get third party insurance, so you can continue to drive his car. He sounds awful, OP.

LynetteScavo · 16/08/2021 16:42

If you're insured on your car, that you are the registered keeper of then make sure the policy allows you to drive other cars. Then drive his car.

freelions · 16/08/2021 16:43

Who currently has possession of the 2 cars?

If he is reasonable enough to negotiate with then you need to make it clear that you need access to a car which is insured for you to drive and can accommodate the DC

I would not hand over the keys to his car unless he returns your car

SimonJT · 16/08/2021 16:43

@LynetteScavo

If you're insured on your car, that you are the registered keeper of then make sure the policy allows you to drive other cars. Then drive his car.
Without his permission that would be theft of a vehicle, please don’t advise someone to commit a crime.
RoseAndRose · 16/08/2021 16:44

So you are letting him drive your car (which is too small for you anyhow)

But he is preventing you from driving his (which he has left behind) because you are not insured for it.

How far along are you in negotiating a financial settlement?

Because you need him to remove his car, so there is space for your lovely new car, which will be in part funded by the sale of your car and the savings you will make by removing him from your insurance

hemhem · 16/08/2021 16:45

You can get third party insurance. I have this so in an emergency I can drive my dad's car and he didn't have to put me on his policy

Hercisback · 16/08/2021 16:46

Remove him from the insurance on your car and report it as stolen.

DragonmotherKhaleesi · 16/08/2021 16:46

This reply has been deleted

Message withdrawn at poster's request.

Usual2usual · 16/08/2021 16:47

Sonething in the back of my head from my days studying law (long time ago so might be wrong!) tells me that cars can't be joined assets. Although that would be Scots law so might be different for you.

Go see a lawyer who can advise better than MN.

SimonJT · 16/08/2021 16:48

@hemhem

You can get third party insurance. I have this so in an emergency I can drive my dad's car and he didn't have to put me on his policy
She would need his permission to drive the car, otherwise its theft.
SimonJT · 16/08/2021 16:49

This reply has been deleted

Message removed as it quotes a post that's been withdrawn.

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