Sod splitting bills 50/50

[gokartdillydilly]

AIBU to be really pissed off at DH? His two recent driving convictions have put up our annual car insurance on the family car (I own the family car, which we both drive, he owns a smaller car which I occasionally use) by £400, according to a renewal quote! I am outraged by this as he never seems to learn. I love him but not sure I love his attitude to 'splitting the bills 50/50'... (we earn the same). Should I make him pay the extra £400 straight up and get him to organise his own insurance on his own car?

You should never pay a renewal quote... get more quotes from other insurers.

Thanks all. He has agreed to cough up the extra out of his own pocket, which we both agree is fair. But I seem to have opened a new discussion about shared finances! Is it odd that we have our own bank accounts? We share the cost of housework, childcare, cars, holidays and household bills, all of which which come out of a joint account that we both pay into. We pay out of our own accounts for our own petrol usage (he claims his back from his job), hobbies, clothes, nights out with friends and anything deemed our own. Including now speeding offences and the fall-out from these! It works brilliantly, and means we don't ever fall out over money matters, which I'm sure we would if we pooled everything.

It works brilliantly, and means we don't ever fall out over money matters

If that was the case why did you need to start this thread?

I would make my DP pay the extra and I would expect to do the same if it were me who had caused the increase.

I wouldn’t consider fines or insurance costs to be a household expense. They’re personal ones. My dh and I split household expenses, but we’ve always paid our own insurance. If it’s gone up because of his foolishness, he pays it. Same with fines, etc. It’s a cost related to his personal use, not a joint expense.

Sorry icannotremember, I didn't realise there were stringent rules for reasons for posting. Ranting/getting something off my chest, to get answers to make me not feel unreasonable about not sharing this particular bill, shock at the huge insurance hike... that's why I started this thread thanks for asking Move on if it displeases you. Thanks to everyone else who bothered to post something useful

For me this falls into the category of not taking someone else's punishment. Judge Judy always says this. If you have a court fine or other consequences of breaking the law, you can't expect someone else to do the time/pay the fine because that's YOUR punishment.

On this basis, I think your DH should pay the increase as it's a consequence of his actions.

Ideally though, have separate policies you pay for yourselves!

Yes to separate policies, but the DH is on the OPs policy and his penalty points are pushing her insurance up.

He could possibly drive her car on his policy, but it would be third party only so they would have to pay for repairs if he crashed the OPs car.

The OP might be able to claim in those circumstances on her own policy but then they would be claiming off both policies so likely to put both their insurance costs up, so not worth doing.

Sorry icannotremember, I didn't realise there were stringent rules for reasons for posting
Oh, has someone suggested there are? Because I didn't. I just think it's funny to start a post in which you talk about been outraged and say I love him but not sure I love his attitude to 'splitting the bills 50/50' and then later on state that your system It works brilliantly, and means we don't ever fall out over money matters

What on earth has he done for such a big increase? I had 6 points for a while and it only put the insurance up by about £30. This year I've been on 2 driver awareness courses which hasn't affected the cost at all. Have you tried shopping around for cheaper insurance?

To be honest I'd be worried he's a terrible driver and needs some more lessons or to sign up for a black box or something to keep him under control. I would expect him to pay the extra if you have separate finances.

if you took him the family car insurance, it might make a difference to the cost. He could still drive it on his own insurance. however you would be covered for 3rd party problems but not your own accidental damage.

We have a sharing rule like that.

What's mine is my wife's, and what's my wife's is her own!