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

[CeePeeEll]

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 )

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?

How did you manage before you separated ?

[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]
Play him at his own game.

Tell him to add you back to his insurance or you will remove him from your insurance. If you can't drive why should he

With the small car I mean?

Are all the children his?

Can you dig out the original receipt because if the money came from a joint account there's no way I'd return it, whether I could drive it or not. The registered keeper is not necessarily the owner - one doesn't equal the other.

Take him off the insurance of your car and swap them back. At least you then have access to a vehicle.

How many children do you have and what’s the car?

Well it's quite simple;remove him as a named driver on your car and then anonymously tip off the police he's driving without insurance.

Take your car back;sell it and buy something else suitable for your needs.

@MrsFin

No, that's not the case anymore. Most policies state clearly they do not cover 3rd party vehicles.

Mine does.

Most policies.

You'd really need to check each policy individually.

I used to be a Cab advisor & you really don't want to chance your policy doesn't cover you, particularly if involved on an accident. I've not had a policy in the last 10 years that allows this.

@Lumpwoody we used to both work from home and I’d use the big car to ferry kids and dogs and we’d use the smaller car because it was cheaper to run if we were going out by ourselves or a couple of us.

How many children are there @CeePeeEll?

@thenewduchessofhastings
I’m not sure you understand I’m earning peanuts at the moment just enough for us to eat as we are not receiving a penny from him.

I do not have the money to buy anything bigger or to do the repairs to the smaller car.

Well why not get your car back and sell it so you have money for food if you can’t afford to fix it?

How many children are there and are they all you and your ex husbands joint children?

If the wee car isn’t fixable, then sell it.

Go to CMS for maintenance

Are the children all his OP?

How many kids are there? Surely you can fit 3 or 4 kids in a small car dependant on car seat needs?

Unless things have changed very recently, if you get fully comp insurance on the car you own with the right insurer you can be covered third party driving any car.

So insure your old banger that he currently has fully comp and you should be legally covered to drive his car too.

Does your own insurance policy on your car (the one he's still got) not cover you to drive other vehicles?

@NumberTheory

Unless things have changed very recently, if you get fully comp insurance on the car you own with the right insurer you can be covered third party driving any car.

So insure your old banger that he currently has fully comp and you should be legally covered to drive his car too.

She still needs the owners permission to drive it. Which I suspect he won’t give.

Are you sure he has actually done it? It may be just a threat. ar you able to access the insurance details eg on-line?

@toocold54

Do you know when your insurance policy runs out/renews? A lot of car insurance companies charge you for ending insurance early.

Are you paying insurance for both of the cars?

I would go to CMS and get maintenance payments sorted and find out how much it would be to cancel the insurance.
You can ask him to swap cars but I doubt he will so instead of spending money on a small courts claim I would just save up for a new one using the maintenance money.

You can't pay for anything with thin air: he's not paying any maintenance.

OP have you checked if you’re entitled to any benefits? Universal credit, free school meals, prescriptions etc? Fill in the benefits calculator on entitled to and it will tell you if and what you are entitled to.

he's not paying any maintenance.

We don't know if the children are his- the OP seems unwilling to say.

@speakout sorry I missed that
Yes kids his

CeePeeEll

Thanks.

If you arranged to swap cars and drove the big one over to his with the kids in it, got out, got into yours and simply drove away, leaving the kids with him, I wonder how long he'd last?

I know, none of us would ever do it.

@MotionActivatedDog

She still needs the owners permission to drive it. Which I suspect he won’t give.

She doesn't need his permission because she owns it. It says in the OP that it's a joint asset.