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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:
Lumpwoody · 16/08/2021 19:05

How many kids are there?

frazzledasarock · 16/08/2021 19:06

OP how does your H earn? Is he employed and gets paid by a company?

If the above open a CMS claim ask for payment to be taken from him as he won’t pay you directly.
You’ll get a little deducted from your child maintenance if the CMS collect it but he’ll be paying a lot more in admin fees to them.

Then speak to your solicitor about getting a car for you and your DC as you need a decent sized car for your DC.

xksismybestletter · 16/08/2021 19:09

So how many children do you have, to make it too small for you? More than 3 for a ford Ka? More than 4 for an average car?

MotionActivatedDog · 16/08/2021 19:15

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

As long as it is a joint asset though. There was discussion up thread about whether that is the case.

SuperstoreFan · 16/08/2021 19:16

[quote NumberTheory]@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.[/quote]
There's a difference between joint asset and joint ownership? Is it a joint asset because of the divorce?

toocold54 · 16/08/2021 19:23

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

That’s why she needs to get into CMS and get him to start paying.

OP would you even be able to afford to run a bigger car?
Insurance, tax, petrol etc are a lot cheaper with smaller cars.

Mangofandangoo · 16/08/2021 19:25

Accidentally lose the keys 🤷🏻‍♀️

cansu · 16/08/2021 19:34

Whilst this doesn't solve your situation, take him off the insurance for the other car. It will therefore be equally inconvenient for him. You then need to discuss a short time solution until your financial affairs can be dealt with.

Unsubscribed · 16/08/2021 19:37

How many children ?
How many seats in your car (the banger) ?

RantyAunty · 16/08/2021 19:44

He's probably lying to bully you.

Have you applied for maintenance and benefits?
Register yourself as the keeper of the big car.

Don't take any shit off him.

mm8989 · 16/08/2021 19:47

Buy salt. lots of it and coat his precious car with it.
If he's deliberately ruined your car...

SpellItOutForMe · 16/08/2021 19:48

OP, I think you've had 3 pieces of interesting and potentially actually useful advice on here so far:

  1. Remove him from your insurance on your banger too;
  2. Look into getting third party insurance on the policy you already hold. That's not putting a policy in place over his car, it's insuring you to drive any other car so it shouldn't in theory be a problem that his policy is still active. Worth looking into.
  3. Look into changing you to the registered keeper as a PP suggested based on the fact that that is factually accurate (this would never have occurred to me but I can see the force in the logic that this is not the same as being the legal owner). Very much with looking into.

Is there any reason you can't do the above?

IceCreamAndCandyfloss · 16/08/2021 19:53

Third party cover for other cars doesn’t always cover cars owned by the person and needs permission to drive from the person named on the V5 document.
Does the small car not have enough seats, ie you have more than 4 children and his seats 7 etc?

Livinthedream84 · 16/08/2021 20:02

Go park it on a street in town with no ticket.

lastcall · 16/08/2021 20:13

Remove him from your insurance of the car that is registered to you that he has taken. Tell him he's no longer insured to drive it, it's your car according to the law, and he is to return it or you'll report it stolen.

Gilly12345 · 16/08/2021 20:14

You need to sort out your assets and decide who has what.

The cars are just the tip of the iceberg surely?

Doublestar · 16/08/2021 20:19

God, these men. What nasty dickhead. Sorry OP, hope you get it sorted Flowers

"Nobody wins against me"??? Wanker!!

girlmom21 · 16/08/2021 20:23

I agree with taking him off your insurance and reporting it as stolen.

Then report his car as abandoned on your driveway and let them tow that as it's not insured.

Maybe nobody does win against him but you may as well have a bit of fun playing the game if he's going to be a massive tit.

whatthejiggeries · 16/08/2021 20:32

Why don't you take back your car sell it and get a bigger one. He's just playing games to
Wind you up - don't let him win

Unsubscribed · 16/08/2021 20:33

"Nobody wins against me"

He may win the battle of the cars and think he's clever. But at the end of the day OP's divorce lawyer will wipe the smile off his face.
The arrogant .........

BasementIdeas · 16/08/2021 20:39

@Mumsnut

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.

WTF??? Of course nobody would do anything so cruel to their kids
SeasonFinale · 16/08/2021 20:40

@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
You are mistaken. The policy is in his name and she was a named driver. Any payout would be to the policy holder ie. him.
Batshittery · 16/08/2021 20:44

@girlmom21

I agree with taking him off your insurance and reporting it as stolen.

Then report his car as abandoned on your driveway and let them tow that as it's not insured.

Maybe nobody does win against him but you may as well have a bit of fun playing the game if he's going to be a massive tit.

Who do you think is going to tow it? A driveway is private property
MrsFin · 16/08/2021 20:45

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

That's rubbish. You can't have joint names on a car insurance policy.
The insured can add names drivers, but they can't make a claim in their own right. The insured makes the claim.

Rainbowqueeen · 16/08/2021 20:51

You need to claim cms immediately.

Sorry I can’t help with the car situation but I’d suggest you speak to women’s aid who might have some ideas. I’d also suggest that you consider using one of their recommended lawyers who are used to dealing with abusers and try ti finalise the divorce and division of assets as soon as possible. Focus on the big picture and the things you can achieve