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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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Original poster

To not tell the insurance company?

37 replies

LumpyMcBentface · 28/08/2016 15:52

I've had my driving licence revoked for medical reasons. I'm currently insured on both our cars, although I only ever drove mine. It's always been cheaper to insure us both than just Dh or just me.

So obviously if I cancel my insurance, DHs premiums will go up. But if I inform them I've lost my licence then presumably they'll whack the premiums up for that as well.

So do I need to tell them, or not? I'm not driving (obvs) so I won't be in a position of needing to claim, but would they refuse Dh a payout based on my currently incorrect details?

I have no idea what to do. Not telling them seems wrong, but I'm not sure there's any point in telling them. I'm tying myself in knots.

OP posts:

Original poster

LumpyMcBentface · 28/08/2016 18:48

I am definitely going to tell them, don't worry.

Yes, I'm the named driver on both policies. Dh is actually using my (nicer) car now and we're thinking about getting rid of his.

OP posts:

Dontyoulovecalpol · 28/08/2016 20:06

Whywontthehedghogs is that right? I have claimed multiple times on my policy, my husband is a names driver, he's not once been referred to or involved. That's claims with admiral, Hastings direct, LV and post office.

I'm not saying don't tell them (as I genuinely don't think it will make much difference. As a brand new driver I went on my families multicar policy- it was a big discount but it was £70 a year, so let's put it into perspective- hardly life changing) but I think there is a fair amount of misinformation on this thread.

SkydivingFerret · 28/08/2016 20:22

People saying "Oh it won't matter if you tell them" clearly don't know much about insurance other than having a policy of their own. If you don't declare material facts the insurers can void your policy

Sparklemummyx0x0x · 28/08/2016 20:38

Yes tell them.
I don't know what they will do or say or how it would change things.
But, I presume that as the licence has been removed due to medical reasons and not due to illegal driving activities, it should make a difference in how they manage/change the insurance policy for you husband.

rosesarered9 · 28/08/2016 20:56

Your insurance will ALWAYS scrutinise your details with the DVLA, police etc. so they can find just ONE mistake which makes your policy invalid and means that they don't have to pay you a penny.

rosesarered9 · 28/08/2016 20:57

If you don't tell them then the costs will be much higher if you need to claim.

Dontyoulovecalpol · 28/08/2016 21:06

They haven't with mine rosesarered- I don't think that's true.

Skydivingferret- not one person has said it won't matter if you tell them

neonrainbow · 28/08/2016 21:18

Roses arered that's certainly not true of the insurance company i work for. We don't trawl every customers information for anomolies but if information comes to light then we have to investigate and act accordingly. We couldn't ignore it if a customer fails to adhere to policy conditions.

Littletabbyocelot · 28/08/2016 22:04

I worked in insurance customer service while saving for uni (long time ago). I remember a horrible complaint from a lady who'd had an accident and we'd refused to cover her claim (we paid the third party) because she had not notified us that her husband had died months before. She had a hefty discount because he was insured on her car.

There was nothing I could do, she wasn't covered (and I was too junior to make the decision myself). It's not worth the risk.

I agree with pp about adding someone else.

KeemaNaanAndCurryOn · 28/08/2016 22:17

You may not have a license at the mo, but that won't last forever. I stayed on my DHs policy as a named driver while I was suspended for medical reasons like you, then we informed them when I got my renewable license. It was still cheaper to have me on there.

gobbin · 28/08/2016 23:09

Don't assume your insurance will go up when you get your licence back. DH had a brain haemhorrage. During his licence suspension we sold his car (reg doc in my name) and bought another. Only I could drive it to start. When he got his licence back and we transferred it to him being first named driver, the premium went down - we had a £12 refund lol 😄

LifeInJeneral · 28/08/2016 23:15

If you tell them now and cancel your own policy you will probably have to pay an admin fee (usually around £50) but should get a refund for the remaining amount so if your insurance policy isn't due to run out for a while you should get a fair amount back. The money you get back should cover any increase on your DH's policy from removing you as a named driver.

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