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advice Car insurance

18 replies

Misha2011 · 11/07/2020 08:15

when husband left, he left me a car, said car developed a problem, and it was taken to the garage, and now he wants to scrap it as not worth the cost of repairing, as far as i know it is still drivable ? so i was left with no car . it was insured in his name, i was down named driver.
the car he uses, i am named as keeper/ owner, and he named driver, but he is main user ( yes, I have since found out what this means ) I have never even sat in the car.
I have both policies, and v5 docs( in his name) for both cars, they were set up on my PC.

yesterday, he sent me a text, offering me money, to buy another car, and to contact the insurers, of the car I had been using, and to remove him from the policy.

i texted back saying, did not understand why that car and not his car ?

he then came back, with to tell them of the change of vehicle with myself as named driver.

Now i am more confused, he then come back with a very sharp text, that it must be the first car insurers, tell them how many yrs no claims (And I remember when he asked me to set up the policy, for his car , is that i had 5yrs no Claims.)

he then finshed, by asking to send him policy's, and he would sort it out, i that i would be covered third party, for anything I am buying on either policy's.

It was only after looking at the online policy, that i realised what he has done, as at the time, i was only doing what he was telling me to do, when the policy was set up.

So now I do not know what to do ??

OP posts:
category12 · 11/07/2020 09:14

Why doesn't he just give you the car he's using, since it's under your name, and buy himself another car? It seems unnecessarily complicated and if you're still married, both the cars are joint assets.

Are you in the process of divorcing? If so, ask your solicitor what's best to do. If not, why not get started?

Misha2011 · 11/07/2020 11:16

@category12
He is being awkward, I think ? and wants to be still in control, and yes we are seperated, early days, and I did email my solicitor, but have had no response. and when I had queried, this, he said he was seeking legal advice ( re joint assets) and he came back with he was under no legal obligation to supply me a car. and that is when he offered my money to buy a car.

OP posts:
category12 · 11/07/2020 11:24

Well both cars are shared assets, and the money he's offering you is probably half yours too Grin. So I would be careful about what you agree to and I certainly wouldn't sign over anything to him. He's going to tell you what benefits him, so I'd take his new-found legal knowledge with a pinch of salt.

How badly do you need a car right now? If it's non-urgent, I'd consider whether you want to fix the one in the garage or look for another.

category12 · 11/07/2020 11:25

Do you have access to money?

Misha2011 · 11/07/2020 11:44

@category12
Yes i have taken it with a pinch of salt :) I even have my doubts as if he even has got a lawyer ?? I tried the garage, unfortunatley, it is his mate , I think it all a con, and asked to pick up the car, and was refused, but I have no proof, my main worry is the insurance in my name, it is illegal ? I live in a rural village , so yes car is needed. and he knows that. And if i buy another car, would like my no claims, and would need to insure it, but do not know if I can with having his car in my name.UGH !!!!

OP posts:
category12 · 11/07/2020 11:46

Perhaps try asking on the legal board as well? Sounds like he's trying to pull a fast one.

VanGoghsDog · 11/07/2020 11:56

You can insure as many cars as you want.

The issues here are - where is the "scrapped" car, you need evidence it was scrapped, the V5 needs to be sent off to DVLA and the insurance cancelled. Tell H that you have cancelled the insurance since it has been scrapped (but don't do this), see how he reacts. Ask the garage for the evidence of scrapping as you need to inform DVLA. If they mess you around, go all wide eyed and innocent and say it sounds as if the car has been stolen and you think you had better inform the police. See how they react.

Him being named driver on a car where he is actually main driver (known as 'fronting' and is fraudulent) - call the insurers and ask them to swap it round, there will probably be a charge.

Buy the car you want, insure it yourself without him on it, use a different insurer.

Misha2011 · 11/07/2020 12:16

@VanGoghsDog
Both V5's are in his name , I am aware this is not proof of ownership. and He knows that I have all documents in my possesion, He could get duplicates?? but yes I can try that tactic. but as I am only a named driver on that policy, would he not have to inform the DVLA ?
Yes it is the fronting I was worried about. and it is his card on the payment details, so it would not cost me :)
I will call them. Thank You.

OP posts:
Misha2011 · 11/07/2020 12:19

also would like to add, I think they are selling it, as it was mentioned a few months ago, that he had someone interested in buying it, this was before we seperated.

OP posts:
VanGoghsDog · 11/07/2020 12:19

Just give him the V5s and the insurance docs if he's paying for it and tell him to sort it all out. But let the insurer know you are no longer the main driver of car B.

The more you can do to separate stuff like this, the easier it will be for you in the long run.

VanGoghsDog · 11/07/2020 12:21

Tell him you want 100% of the proceeds of any sale, or the scrap evidence, or you will report it as stolen.

Misha2011 · 11/07/2020 12:23

@VanGoghsDog

Thank you, That is what i will do, will call them , and sort it out.

OP posts:
GreenTulips · 11/07/2020 12:25

So he has the car in your name but the V5 is registered to him?

Misha2011 · 11/07/2020 12:33

@GreenTulips
Yes

OP posts:
Misha2011 · 11/07/2020 12:36

things are never easy !!! Just spoke with insurance company, as I am the policy holder, to remove my name , they need to create a new policy, waiting on call back, for a quote ???

OP posts:
Misha2011 · 11/07/2020 12:37

@VanGoghsDog

He has offered me £1000, for another car.

OP posts:
Misha2011 · 11/07/2020 13:09

Have just cancelled that policy, hope he not driving today ???

OP posts:
VanGoghsDog · 11/07/2020 13:12

Well, if you are the policy holder you can't have a policy in someone else's name so they would need to start a new policy for him but he needs to do that himself.

Text him and say "per the car changes I have cancelled the policies, you'll need to arrange insurance".

Is £1000 commensurate with the value of the "scrapped" car?

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