Ex using old home address for motor insurance

FizzledOut

I found out in Feb 2012 my husband of 23 years was cheating on me - as he refused to stop contact with the other woman he left, leaving me and our 23yo son in residence of our home (joint mortgage). He refers to himself as separated (I won't say what I refer him to).

He has continued to pay into the mortgage and joint bank loans. But he has his motor insurance to the house address despite not having lived here since Feb 2012. The car insurance covers his car as kept in the driveway overnight - with his new accommodation his car is on the street. His motorcycle insurance states the motorcycle in a garage overnight - his new accommodation it's off-street but not garaged. I maintain it's fraud and have refused to sign for a recorded delivery letter from his insurance company recently. Ex says I'm messing with his mail, this is still his house, etc.

It may sound really pathetic, and probably spiteful, but I feel I should stand my ground - he doesn't want to live here, but he's happy to get cheaper insurance by telling his insurance company that he keeps the vehicles here.

I should add, he refuses to see a solicitor to discuss the legal implications of separation/divorce/selling the house - I'm dealing with a brick wall and have the accompanying headache from banging my head against said brick wall! I've ensured that he isn't listed with the council as living here in case he takes out any more loans or whatever.

Fraud?
Or pathetic spiteful mare? - (careful, I'm a woman with a headache) ...

dacouch

It's possible that he has declared the correct addresses to his Insurers eg where the vehicles are kept at night but has advised the Insurers of your address for correspondence to be sent to.

The above is unlikely but a possibility.

Motorbikes have a very high chances of being stolen and motorbike Insurers go through theft claims in great detail.

Make sure he is not on the electoral roll at your address.

FizzledOut

Ta for response, Ex has said he can't change his address to his current accommodation (he's been there 6 months now, not sure why, maybe his landlords are claiming benefits - can of worms .. )

He is off the electoral roll - don't know if he knows that though, I haven't told him. It was one of the first things I was told to do by an adviser.

dacouch

It could be that as the motorbike insurance is subject to him having a garage to park the bike at night.

They will discover this if he makes a theft claim and possibly if he makes a normal claim.

Many Insurers perform credit checks when providing quotes so not being on the electoral roll may increase his premium / stop some quoting or just be brought up when he makes a claim

pogofish

Don't play this game, it could get very problematic if a claim is needed.

Simply refuse or return any mail with a "not known" or "no longer" at this address. That way his insurers will see that this get sorted very promptly or cut him off altogether.

Also, something at the back of my mind is making wonder if they are already concerned about him? - In all my years of having bike and car insurance, the number of times an insurer has used recorded delivery for any mail to me has been very small indeed.

So mt thinking does lean towards fraud.

missile

FizzledOut wrote: »

I found out in Feb 2012 my husband of 23 years was cheating on me - as he refused to stop contact with the other woman he left, leaving me and our 23yo son in residence of our home (joint mortgage). He refers to himself as separated (I won't say what I refer him to).

He has continued to pay into the mortgage and joint bank loans. But he has his motor insurance to the house address despite not having lived here since Feb 2012. The car insurance covers his car as kept in the driveway overnight - with his new accommodation his car is on the street. His motorcycle insurance states the motorcycle in a garage overnight - his new accommodation it's off-street but not garaged. I maintain it's fraud and have refused to sign for a recorded delivery letter from his insurance company recently. Ex says I'm messing with his mail, this is still his house, etc.

It may sound really pathetic, and probably spiteful, but I feel I should stand my ground - he doesn't want to live here, but he's happy to get cheaper insurance by telling his insurance company that he keeps the vehicles here.

I should add, he refuses to see a solicitor to discuss the legal implications of separation/divorce/selling the house - I'm dealing with a brick wall and have the accompanying headache from banging my head against said brick wall! I've ensured that he isn't listed with the council as living here in case he takes out any more loans or whatever.

Fraud?
Or pathetic spiteful mare? - (careful, I'm a woman with a headache) ...

You do sound vindictive, possibly with good reason.

I would suggest you should look at the big picture and think yourself fortunate he is contributing to the mortgage and loans. If you rock the boat he may stop.

It seems strange he has not seen a solicitor. You can easily get your own solicitor to start proceedings. However, you could end up financially worse off.

bouncydog1

Personally I would start to move things forward and keep my self respect. He doesn't want to live with you but wants to keep benefits of your address.

I would move things forward with solicitor so you can move forward with your life. I would also tell him that any further correspondence from anyone for him, will be sent back with a "no longer at this address - try xyz" note attached to it.


Not vindictive - truthful and moving forward with your own life.

pleasedelete

If you don't want him tp use the address then sell the house and move on. He pays part of the mortgage so I don't think he is really being unreasonable. You will be associated until You divorce and settle financially.

Divorce. Sell. Move on.

duchy

Gosh there are some people on here with some funny ideas.

It is NOT vindictive to refuse to be a part of (and legally an accomplice to) obtaining lower insurance rates fraudulently .

This man has already cheated on his wife which presumably involved some deception and lies to her and now he's asking her to lie for him to an insurance company -a pattern appears to be emerging and if the OP is an honest and law abiding person why on earth would anyone sane expect her to go along with his deception and risk getting charged with assisting a fraud ?

System

Well he could always move back into the house as he is still part owner and paying (part of?) the mortgage. That would sort his insurance out.

rs65

pogofish wrote: »

Simply refuse or return any mail with a "not known" or "no longer" at this address. That way his insurers will see that this get sorted very promptly or cut him off altogether.

That would only result in the policies being cancelled and him not knowing and driving uninsured.

Not the wisest thing.

Just return the mail and give insurers his new address.