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?

Op you're being given loads of bad advice here.

Where is the original receipt for the car, and does it say who bought it?

There's lots of people suggesting the OP drive her estranged DH's car under Third party driving other cars;the issue is one of the key points of this is that the OP must have permission from the owner to drive it;the current situation would heavily suggest that there is no permission as the twat has removed her from his policy meaning he doesn't want her to drive it.

It could also mean OP could leave herself open to a arrest for TWOC.

OP, how many kids? Is the banger car actually too small (you have more than 4 kids or less than 5 seats in the car), or is it just inconvenient (3 door not 5/one child has to sit in the front)?

Nonetheless, I think he’s behaving like an absolute bastard. I don’t think you’re going to get anywhere regarding the repairs, sadly. What sort of arsehole does this to his kids?

There's so much bad advice on this thread;I spent a few years working for a car insurance company so am pretty clued up on what's what.

1.It doesn't matter who paid for the vehicle;what matters is who is the registered owner and keeper of said vehicle on the DVLA paperwork.

2.Although you don't actually have to be registered owner and keeper of a vehicle to insure it in your name it's a grey area and doesn't happen that often.

3.You can't insure a car that's already insured elsewhere;this is to prevent insurance fraud etc

4.Driving other cars under third party cover only applies if said driver has permission from the cars owner.

The below section is what it says on google in regards to cars being a joint asset

www.stephens-scown.co.uk/uncategorised/what-happens-to-my-car-if-i-get-divorced/

@Needapoodle

Op you're being given loads of bad advice here.

Where is the original receipt for the car, and does it say who bought it?

And this is another red herring.

It doesn't matter who paid for the car. The owner is the person it's registered to.

I bought my DD a car. It's registered to her and insured by her. I can't drive it even though I paid for it.

@MrsFin

And this is another red herring.

It doesn't matter who paid for the car. The owner is the person it's registered to.

I bought my DD a car. It's registered to her and insured by her. I can't drive it even though I paid for it.

This is simply untrue. You can see how it even says on the document that it isn't proof of ownership.

Your DD's car is hers not yours because you gave it to her not because you put her name on the registration document. Ownership of a car is the same as ownership of other physical goods, and in a marriage that is often (though not always) joint.

You can't insure a vehicle that isn't in your name, without a load of faffing around. I lent a friend my second car, and had to insure it and put her on as a named driver as the insurance company won't insure something if you aren't the registered keeper.

Op in your shoes I'd try and take some control back

Ask him for your car back, if he refuses call the police.

Don't take him off the insurance on your car, ring the insurance people (if you know the company) and follow their guidance.

I know you said it's a small car, but a small car is better than no car, you might be able to swap it for a larger car or use it in the interim. As for the bigger car in his name, simply take photos and mileage and it will become an asset in the divorce. Let him have it's he's using it to control you, the only way to win the tug of war is to drop the rope and walk away. Have a proper chat with your solicitor and work out what you can do with him ignoring to engage.

Ring the cms and start a claim for child maintenance

*There's so much bad advice on this thread;I spent a few years working for a car insurance company so am pretty clued up on what's what.

1.It doesn't matter who paid for the vehicle;what matters is who is the registered owner and keeper of said vehicle on the DVLA paperwork.*

You should have paid more attention, its pretty embarrassing that you said you're clued up then got it totally wrong. The registered keeper is NOT the owner of the vehicle. It's the keeper. It even says it on the v5 document.

There's so much bad advice on this thread;I spent a few years working for a car insurance company so am pretty clued up on what's what.

1.It doesn't matter who paid for the vehicle;what matters is who is the registered owner and keeper of said vehicle on the DVLA paperwork.

Which company did you work for? I want to be sure to avoid them...

Have a read of these threads, where ROSEMARY comes to realise how abusive her "d"h was (both financially and emotionally) and how she has moved on through getting a SHL and making her STBXH abide by his financial responsibilities.

Hopefully they will give you inspiration.

Uninvited to family wedding
http://www.mumsnet.com/Talk/relationships/4177035-Uninvited-to-family-wedding

John learns to adult
http://www.mumsnet.com/Talk/relationships/4257752-John-learns-to-adult