My wife has taken my name off my car insurance policy

hoorgi

I used my wife's name on my car insurance policy (fully comp) and had myself added as a named driver. Things have turned sour between us and she has now taken my name off the policy. This means that I can only drive the car for emergencies, with her permission. The car is owned by me and is registered in my name, but the insurance company can only take instructions from her. Can anyone advise what I ought to do (apart from buy a train season ticket!)?

InsideInsurance

Buy your own insurance on the vehicle or add the vehicle to your policy as a Temporary Additional Vehicle.

If you have an accident things would be straight forward, things could get messy with a fire or theft claim because of the dual insurance

You would need to read the Driving Other Cars section on your policy again as even with her permission I doubt you would be allowed to drive it as you are the legal owner/ keeper of it

vaio

hoorgi wrote: »

I used my wife's name on my car insurance policy (fully comp) and had myself added as a named driver. Things have turned sour between us and she has now taken my name off the policy. This means that I can only drive the car for emergencies, with her permission. The car is owned by me and is registered in my name, but the insurance company can only take instructions from her. Can anyone advise what I ought to do (apart from buy a train season ticket!)?

If she has taken your name off the policy I don’t see how you can drive it at all. Either you are on the policy or you aren’t.

cajef

If it is your car why was it insured in your wifes name with you as a named driver, is she the main driver otherwise it looks a bit like fronting.

scheming_gypsy

hoorgi wrote: »

I used my wife's name on my car insurance policy (fully comp) and had myself added as a named driver. Things have turned sour between us and she has now taken my name off the policy. This means that I can only drive the car for emergencies, with her permission. The car is owned by me and is registered in my name, but the insurance company can only take instructions from her. Can anyone advise what I ought to do (apart from buy a train season ticket!)?

why can they only take instructions from her if it's your policy? if the policy is yours then it's in your name and you're the policy holder so they should be dealing with you.

1ManArmy

scheming_gypsy wrote: »

why can they only take instructions from her if it's your policy? if the policy is yours then it's in your name and you're the policy holder so they should be dealing with you.

His fronting, used his wife name as main driver to get cheap insurance. Technically the Policy is hers and him as named driver. She took him of the policy so she can only drive the car.

thegirlintheattic

Your fronting, if you are the owner and main driver the policy should be in your name. It's a shame that she's taken you off but there is not much you can do through the insurance company. You cannot have two policies on the same car. If the car is registered to you and is owned by you then I would either tell her she cannot drive it and when she does report her to the police or wait till the tax is up (if soon) and refuse to renew it until she transfers the insurance to your name.

tyllwyd

You could sell the car and buy a new one which you insure in your own name.

bouncydog1

From reading your post, the car belongs to you, but you and your wife (as she would have had to agree) insured it in her name. Presumably this was because it was cheaper than insuring it in your name, so she clearly fronted the policy to avoid having to pay the insurers the correct premium.

As she is the policyholder there is nothing you can do about her taking you off her policy as the contract is between her and her insurance company.

If the vehicle belongs to you and you have the documents to support ownership then I would suggest you either confiscate the keys from your wife and get it insured in your own name quickly - or get a solicitor to write to her giving her x no of days to return the vehicle to you.

However if the vehicle was purchased with jointly owned funds, then you may well have a fight on your hands. Depending on how you view this, you may be better off cutting your losses and letting her keep the car.

If she has truly taken you off the policy you can't drive it at all, let alone occasionally.

hoorgi

Thanks to all. Bouncydog and Inside Insurance, have assumed correctly. As you can see some here have said that the same car cannot have 2 policies, but you seem to be saying that it is ok (with some caveats). The insurer of another car that I have via their offshore call centre will not insure it. I spoke to the legal help advisors on this policy and they did not seem to know whether it was illegal to have 2 policies on the same car. Does anyone know the definitive answer?

scheming_gypsy

Car's can have two policies otherwise buying a car would become pretty difficult. Although the same person having two policies on the same car will cause problems if you have an accident.