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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:
Original poster
CeePeeEll · 16/08/2021 17:12

Just for clarity I have no intention of doing anything remotely illegal

We’re just housebound at the mo. Not much fun.

OP posts:
MotionActivatedDog · 16/08/2021 17:14

OP several people have told you to go and get your car back but you’re ignoring those posts. Why?

CuriousaboutSamphire · 16/08/2021 17:14

@daytriptovulcan

You ve just got to buy your own insurance. Simple as that.
Be careful doing this.

Short term insurance is 3rd party only and often expensive.
You can't insure the same car twice so it may not be possible to do that if he objects, at the point of a claim.
Any car insurance is bloody expensive

So yes, tell him you'll go tit for tat and he will also be driving uninsured. Then tell him to stop acting like a twat and get on with being an adult, a parent to his kids - you don't have anything to lose, he is already acting like a twat, you may as well be strident!

Hercisback · 16/08/2021 17:15

Stop being a martyr and act.

Take him off your insurance and report it stolen.

DerAlteMann · 16/08/2021 17:16

@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.
And get five years for insurance fraud (insurance companies always prosecute) in the process. Biscuit
teaandbagels · 16/08/2021 17:17

If you have your own policy on the "banger" car and it allows you to drive other cars third party then you can still drive it.
Also it doesn't matter who the car is registered to that does not prove ownership.

Original poster
CeePeeEll · 16/08/2021 17:18

@MotionActivatedDog not ignoring - hasn’t answered yet as with kids currently and haven’t had a chance to read every response

My car is too small - And it’s been driven into the ground so likely to need expensive repairs ASAP(which it needed before he took it- have the paperwork to prove this too)

I don’t have the money - he’s refusing to pay any maintenance-these things take ages legally

OP posts:
Earlydancing · 16/08/2021 17:18

I was just looking at the car.co.uk website and they say its legal to have two insurance policies on one car, its just that some insurance companies don't like doing it, I guess because it's complicated. They say they are happy to do it. Might be worth a ring? Of course, they might assume you have permission from the owner to drive it.

QueenHofScotland · 16/08/2021 17:18

So - you have his car but he has removed you from the insurance. And he has your car and he is a named driver on the insurance?

What is stopping you removing him from the insurance of your car so that he cannot drive that?

Or would that just cause you more problems?

QueenHofScotland · 16/08/2021 17:19

In all honesty - I would give him the car and try and manage without until everything is sorted out legally.

HumousWhereTheHeartIs · 16/08/2021 17:19

@Usual2usual cars are joint in Scotland. I'm recently divorced and my ex took my car and parked it at his mum's and refused to let me drive his since he said both were in his name. He had to return in.

MotionActivatedDog · 16/08/2021 17:19

My car is too small - And it’s been driven into the ground so likely to need expensive repairs ASAP(which it needed before he took it- have the paperwork to prove this too)

Doesn’t matter. It’s the only car you can drive and you’re complaining about how difficult life will be without a car. Go and get it and drive if until you can either afford repairs or or stops running.

Voicefancier · 16/08/2021 17:20

@Hercisback

Stop being a martyr and act.

Take him off your insurance and report it stolen.

But the op doesn't want her car back. It's not big enough to accommodate all her children. She wants to carry on driving her husbands car.
MrsHuntGeneNotJeremyObviously · 16/08/2021 17:20

I think the best idea is to collect your car from outside his house without telling him and getting the steering wheel lock, whilst also taking him off the insurance (and not telling him). I'd also steering wheel lock his car and block it in with a skip for a few weeks. If he reports to police say he left it with you. That's neither untrue or illegal.
Let the fucker take you to court to hash it out. Police probably won't give a shot anyway since the car isn't stolen, its where he left it and is a marital asset. You've nothing to lose since he's given you nothing anyway.
See a solicitor about child support too!

MotionActivatedDog · 16/08/2021 17:21

She wants to carry on driving her husbands car.

What she wants is irrelevant. It’s what she can do that is relevant.

MotionActivatedDog · 16/08/2021 17:21

How many children are there?

category12 · 16/08/2021 17:23

Take him off the insurance of your car, and go get it back.

Then you are at least mobile, and can sell or scrap it, rather than him using it until it breaks down, and he'll be forced to take the other one away.

LarryTheLurker · 16/08/2021 17:24

Forget about driving 'his' car. Its value as an asset can be considered when the time comes but as a means of transport for you it is out of the equation.

Take him off the policy covering your own car. Tell him he is no longer insured to drive it (if he has 'drive other cars' third party cover on his own policy it only covers him for vehicles he has the owner's permission to drive) and insist he return it.

Unless you have a generous friend or family member who can lend you a car, in the short term make do with the runabout.

ancientgran · 16/08/2021 17:24

Yet another posting advising OP to break the law How is it breaking the law? They jointly own it, she is currently the one with possession of the car but he is wrongly down as the keeper. Sounds perfectly legal to me, at the moment it is wrong as he is the registered keeper but she has it.

SpiderinaWingMirror · 16/08/2021 17:25

You can insure the car twice. All it means is that you can't claim twice. The 2 insures would share the cost of the claim.
You have qn insurable interest in the car.

Ohsugarhoneyicetea · 16/08/2021 17:25

You need to change yourself to the registered keeper of the vehicle. It is not your husband, it is the person who is using/keeping the vehicle. It is not even necessarily the owner. The current situation is what is illegal.

www.askthe.police.uk/content/Q743.htm

ancientgran · 16/08/2021 17:26

@MotionActivatedDog

She wants to carry on driving her husbands car.

What she wants is irrelevant. It’s what she can do that is relevant.

She wants to drive the jointly owned car.
MotionActivatedDog · 16/08/2021 17:26

She wants to drive the jointly owned car.

And again, what she wants is irrelevant. It’s what she can do that’s relevant.

SimonJT · 16/08/2021 17:27

@ancientgran

Yet another posting advising OP to break the law How is it breaking the law? They jointly own it, she is currently the one with possession of the car but he is wrongly down as the keeper. Sounds perfectly legal to me, at the moment it is wrong as he is the registered keeper but she has it.
Theft is not legal.
Cakeofdoom · 16/08/2021 17:27

Take him off the policy and SORN it... that will soon bring him to the attention of the police. What an absolute prick.

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