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Home Insurance - Add my wife ?

24

Comments

  • kingstreet
    kingstreet Posts: 39,340 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Dan-Dan wrote: »
    All in my name Kings , but i think weighing it all up both names would be the best way to insure b&c
    Ask the insurer if it will accept a joint application for buildings insurance on a solely owned/mortgaged property.

    I suspect they will not accept, as your spouse has no insurable interest.
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
  • Dan-Dan
    Dan-Dan Posts: 5,279 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Ok , but i will be going for b&c so she will have an interest ?
    Never, under any circumstances, take a sleeping pill and a laxative on the same night.
  • kingstreet
    kingstreet Posts: 39,340 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    She has an interest in the contents, so contents insurance should be jointly applicable.

    However, she has no interest in the property, so joint cover may not be permissible.

    You're going to have to ask the insurer for its guidance.
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
  • Dan-Dan
    Dan-Dan Posts: 5,279 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Thanks Kings , usefull info as always
    Never, under any circumstances, take a sleeping pill and a laxative on the same night.
  • dacouch
    dacouch Posts: 21,636 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    kingstreet wrote: »
    She has an interest in the contents, so contents insurance should be jointly applicable.

    However, she has no interest in the property, so joint cover may not be permissible.

    You're going to have to ask the insurer for its guidance.

    If they're a married couple it's arguable that she does have an insurable interest
  • rs65
    rs65 Posts: 5,682 Forumite
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    dacouch wrote: »
    If they're a married couple it's arguable that she does have an insurable interest

    I would've thought so too.
  • *Scarlett
    *Scarlett Posts: 1,760 Forumite
    Dan-Dan if you popped your clogs and left this mortal coil would your wife get the house? :)

    Did she pay anything towards the deposit? Does she pay towards the mortgage?

    I would say she does have financial interest in it (but if you are in doubt check with individual insurers).

    Hopefully she won't try to bump you off anytime soon to inherit :D - only joking.
  • Spikey1
    Spikey1 Posts: 170 Forumite
    Part of the Furniture Combo Breaker
    Just do as she says mate........if you don't, her divorce lawyer might be the one who shows you the extent of her financial interest in the bricks & mortar !:beer:
  • kingstreet
    kingstreet Posts: 39,340 Forumite
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    I've put this to a couple of our insurers for an opinion.

    I'll feedback as soon as I can...
    I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.
  • Dan-Dan
    Dan-Dan Posts: 5,279 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    kingstreet wrote: »
    I've put this to a couple of our insurers for an opinion.

    I'll feedback as soon as I can...


    Thanks kings , appreciate that
    Never, under any circumstances, take a sleeping pill and a laxative on the same night.
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