My wife has taken my name off my car insurance policy

MarkyMarkD

I cannot believe the number of incorrect posts on this thread alleging fronting.

There are two key suggestions in the comments which are incorrect:

(1) You cannot insure a car in your name if you don't own it; and
(2) You cannot insure a car in your name if you are not the main driver.

Neither are true.

Most insurers (but not all) are completely happy with husbands and wives insuring cars which are owned and/or registered by their spouse.

And all insurers will allow a car to be insured by one individual, but to name the second driver as the main driver.

Neither of those is fronting.

Fronting involves misdeclaring the main driver - usually, declaring a parent as the main driver of a car which is really the main vehicle of a young driver. There is no reason to assume that this is the case here.

There are many legitimate reasons for insuring cars in different names.

My wife and I now have one car. For many years, we had one each. Therefore, we both had full no claims discounts after many years of accident-free driving.

By alternating the insurance between the two drivers (myself and my wife), we are able to maintain our individual full NCD histories because insurers will accept NCD which is up to 2 years old.

Doing as we do is not fronting, and is not illegal. In our case, we are both equally "main" drivers of the car in any case - and the premium involved is not materially different irrespective of whose name the car is insured in (which of course logically it wouldn't be - because the risk is the same).

prowla

Actually, husband and wife are considered interchangeable by insurers.

By some sequence of events we ended up having me owning both our cars and the one I drive mostly insured in her name, and the one she drove mostly insured in mine. I contacted the insurance companies to ask them to change them around, and they said not to bother.

System

Many car insurance policies include a section which states what the insurer will do in the case of when more than one policy covers the loss.

The basics being that the insurance companies will most likely share the payout.

But, there is no doubt in my mind that this would complicate the process and delay any payout.

seven-day-weekend

MarkyMarkD wrote: »

My wife and I now have one car. For many years, we had one each. Therefore, we both had full no claims discounts after many years of accident-free driving.

By alternating the insurance between the two drivers (myself and my wife), we are able to maintain our individual full NCD histories because insurers will accept NCD which is up to 2 years old.

Doing as we do is not fronting, and is not illegal. In our case, we are both equally "main" drivers of the car in any case - and the premium involved is not materially different irrespective of whose name the car is insured in (which of course logically it wouldn't be - because the risk is the same).

We used to do this as well, perfectly legal.

However, after living in Spain full-time for five years, where things works differently, the car has always been insured in my husband's name (and anyone else over 25 is allowed to drive it, this is standard on Spanish policies) and I have lost my ncd