Have I given "fraudulent" information to insurers??

[Deleted User]

Hi there

Not sure if I am in the right place, but, something has just occured to me and I am a little worried that it could "null and void" our insurance(s).

I am married and deal with all insurances etc for our car/home. Our flat is in husbands name only (have never got around to changing the deeds).

When I take out insurances, contents insurance for example, I am asked whether I own my property, rent etc., and I have always ticked the "own my property" box. However, technically "I" don't own the property as my name is not on the deeds, my husband does.

All policies are in joint names, but just wondered if this could be problematic should we ever need to make a claim.

I would appreciate any advice/viewpoints.

Thanks for reading

crazyterrier2000

goochie wrote: »

Hi there

Not sure if I am in the right place, but, something has just occured to me and I am a little worried that it could "null and void" our insurance(s).

I am married and deal with all insurances etc for our car/home. Our flat is in husbands name only (have never got around to changing the deeds).

When I take out insurances, contents insurance for example, I am asked whether I own my property, rent etc., and I have always ticked the "own my property" box. However, technically "I" don't own the property as my name is not on the deeds, my husband does.

All policies are in joint names, but just wondered if this could be problematic should we ever need to make a claim.

I would appreciate any advice/viewpoints.

Thanks for reading

just hope you don't need to claim & change it on renewal, or change now & incur admin charges

dunstonh

as you are married and your husband is jointly named then its not an issue. If you were not married (or civil partnership) then it could create problems with certain things.

mike_the_rate_tart

crazyterrier2000 wrote: »

just hope you don't need to claim & change it on renewal, or change now & incur admin charges

My immediate reaction would be to ring the insurer and ask them.

If this difference means your insurance is void wouldn't you rather deal with it now and pay a small fee for changing the details, rather than when it is too late and you're ringing them to make a claim?

A chat with the insurer is surely the only way to go.