To expect OH to pay half the car insurance?

[Honeybee0821]

My partner passed his driving test a few months ago. We have one car that we share. Admittedly I use it more often than him as I look after our toddler more and take her out and about. He mainly uses it to run errands, do the big shop and go to play golf/see friends. We both mainly work from home.

Before he passed his test, I was the only one on the car insurance and it cost £50. We have added my partner to the insurance now and it has gone up to £70. Since then, he has only been paying the additional £20 each month that it costs to have him on the insurance .

AIBU to think that we should actually be splitting the cost 50/50 and paying £35 a month each?

If you have separate finances then yes. Are you splitting all the other car related finances too?

Yeah we keep our finances separate and split everything equally, including car loan, diesel, MOT etc

Yea, he should pay half as the total is now £70. If it was him, it would be more than £20.

Yeah he's getting his insurance cheaper than you only paying the £20 difference. Definitely split equally!

Regarding the car loan whose name is the car in? Because if its in your name then I think he's being generous (given you have split finances) to be paying for an asset he doesn't own.

But I do think he should be paying half of things likes insurance as long as you both have equal access to it. So the reason he uses it less is just because he doesn't need to, not that he can't because you are always driving it.

Of course he should pay half! He is an add on to your policy ! He is getting use of your portion for free.
If he disagrees tell him to price up his own insurance and see the price

Is he paying half for wear and tear

That's a household cost AFAIK and should be split however you deal with the rest of them.

ooh CF!
if he was on his own insurance by himself as a new driver it would be way higher than £20! he is taking the piss.

You had that expense anyway.
You have said in your OP you use it more than him.
I think him paying the 'extra' is fine.
That's what we did when I added (now) dh on to my insurance.

That said, having separate finances when you are a family is strange IMO.

I actually think it's fine he just pays the additional amount, provided he pays for the fuel he uses and half of the vehicle tax, as he won't build up any NCD as an additional driver and as such probably won't see much reduction in his premium when (if) he gets his own policy.

Yes, he pays half for any repairs, MOT and Service. It's interesting to see some posters agreeing that it's fair for him to just pay the additional. I do feel those saying he would never get a policy as a new driver for just £20 are right

Yes, he pays half for any repairs, MOT and Service. It's interesting to see some posters agreeing that it's fair for him to just pay the additional. I do feel those saying he would never get a policy as a new driver for just £20 are right

Well, no-one is saying it wouldn't be more for someone who is a new driver to pay for a policy on their own, but that isn't what he is getting.
He isn't getting use of the car whenever he wants it.
He isn't building up his No Claims.
He is getting to be an additional driver on your policy.

However, this level of keeping score seems like an odd way for finances to work once you are a family. You aren't room mates in a house share. You have a child.

It should be 50/50.

I’m with @Ennyyy and @UsingChangeofName. I think you need to look at the bigger picture, especially when you admit you use the car more but share all of the other running and repair costs 50:50.