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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:
Howshouldibehave · 16/08/2021 16:50

Whose name is the car he’s taken and the insurance for it in?

WhatHaveIFound · 16/08/2021 16:51

So let me get this right. He's driven off in your car and is clocking up the miles whilst leaving you his car which you're no longer insured to drive? In which case i'd report him to the police for stealing your car!

Beamur · 16/08/2021 16:51

Get your little car back. Make do with that for now.
Get the divorce/financial stuff sorted. If he's going to be petty about this he's going to be difficult about more important things. Good luck. He sounds like a tool.

Sirzy · 16/08/2021 16:53

Can you get your car back and sell it to get something that will meet your needs?

MotionActivatedDog · 16/08/2021 16:53

Do you have a spare key for the car he is driving? Get someone to drive you over to where he is living tonight and take your car back. Don’t tell him you’re doing it. When you get the car home fit a steering wheel lock on it.

Westchesterarms · 16/08/2021 16:58

@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.
Fortunately the op doesn't sound insane so she is unlikely to carry out your little wheeze. 😏
Original poster
CeePeeEll · 16/08/2021 16:59

@Howshouldibehave- that car he is driving is registered to me and I have the insurance in my name with him as a named driver

He’s also being financially abusive and not paying any maintenance- he is indeed a tool.

OP posts:
Tibtab · 16/08/2021 17:01

You cannot get Third Party insurance on a car you do not have permission to drive. If you crash and your ex says you stole it then you are liable for the costs of any claim against you.

Howshouldibehave · 16/08/2021 17:01

[quote CeePeeEll]@Howshouldibehave- that car he is driving is registered to me and I have the insurance in my name with him as a named driver

He’s also being financially abusive and not paying any maintenance- he is indeed a tool.[/quote]
What about telling him you’re going to take him off that insurance unless he re-insures you on the car you have?

MotionActivatedDog · 16/08/2021 17:01

[quote CeePeeEll]@Howshouldibehave- that car he is driving is registered to me and I have the insurance in my name with him as a named driver

He’s also being financially abusive and not paying any maintenance- he is indeed a tool.[/quote]
Right, so you can remove him from the insurance and go and collect your car. He can have the keys for his car back when he asks nicely.

JanisJ · 16/08/2021 17:01

[quote CeePeeEll]@Howshouldibehave- that car he is driving is registered to me and I have the insurance in my name with him as a named driver

He’s also being financially abusive and not paying any maintenance- he is indeed a tool.[/quote]

Take him off the insurance then.

Hercisback · 16/08/2021 17:03

Take him off the insurance and report it stolen then.

Two can play that game.

A car is better than no car. Unless you have over 4 kids, you can fit in the smaller one.

PlanDeRaccordement · 16/08/2021 17:03

You could offer to send him the money for the insurance/pay the insurance bill or take the amount off what he sends as child maintenance, but you need him to keep it going as he is registered keeper.

I’m hoping he cares about his children needing transport?

Lulola · 16/08/2021 17:04

Start a maintenance claim immediately because they don’t back date it.

TheQueef · 16/08/2021 17:04

God I'd be so tempted to roll it down to the nearest bus stop for his convenience.
After you do as a PP said and take your car back, change your own insurance if it suits but watch your premium especially if car needs work.

Original poster
CeePeeEll · 16/08/2021 17:06

@PlanDeRaccordement no it would seem he cares more about wining and dining his new women (yes plural)

He’s stopped all money - we get nothing , he’s refusing to pay interim maintenance for starters and ignoring my solicitors letters

He’s a manipulative, control freak and in his own words ‘nobody wins against me’

OP posts:
daytriptovulcan · 16/08/2021 17:06

You ve just got to buy your own insurance. Simple as that.

CheeseCakeSunflowers · 16/08/2021 17:07

Veygo Insurance do temporary car insurance which you can take out for for anything between 1 hour to 30 days, would that help?

CloseYourEyesAndSee · 16/08/2021 17:08

Take him off your insurance then! And go get your car back. Then sell it and buy a car you can fit the kids in.

tintodeverano2 · 16/08/2021 17:08

All these saying do this do that, none of them are legal.

Get advice from your solicitor.

Ohsugarhoneyicetea · 16/08/2021 17:08

For divorce purposes it doesn’t actually matter in whose name your cars are registered, matrimonial assets are treated jointly and added to the overall pot for distribution.

Do you have the V5C? If so, I would look into changing the registered owner so it reflects who is driving the car. Or selling it and buying something else.

Original poster
CeePeeEll · 16/08/2021 17:09

@daytriptovulcan
I tried to do that
The insurance companies I tried to get quotes with said they cannot insure a vehicle if it’s already got a policy on it (he has it insured - he’s taken me off he claims)

His car is worth 4 times what my banger is - he’s wants it back and it doesn’t matter that it’s too small for the whole family here

OP posts:
SimonJT · 16/08/2021 17:10

@Ohsugarhoneyicetea

For divorce purposes it doesn’t actually matter in whose name your cars are registered, matrimonial assets are treated jointly and added to the overall pot for distribution.

Do you have the V5C? If so, I would look into changing the registered owner so it reflects who is driving the car. Or selling it and buying something else.

Yet another posting advising OP to break the law
Cavagirl · 16/08/2021 17:10

In that case I'd report your car to the police as stolen & take him off the insurance.

Hopefully he gets stopped when he's out driving one of his new women in it.

Original poster
CeePeeEll · 16/08/2021 17:11

@tintodeverano2 I have she’s sent 2 letters

All ignored by his solicitor

Standard.

He’s told me it’s idiotic for me to use a solicitor and it’s a waste of money Hmm

OP posts:
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