Living together-does partner NEED to be a joint policy holder? Help!

therealslimcj

Hi

I'm trying to get a cheaper home insurance quote and have a mortgage with my gf.

I work in TV and esure doesn't like that and won't give me a quote, however I can get one if my gf is named person. They want to know if we want a joint policy holder, but do I need to be on it? What is the point of a joitn policy holder?

Help!

lisyloo

Well you are declaring up front who's insured.

If you are not married and (for exmaple) your gf get's sued ffor being negligent then how would the insurer know whether she had actually been living with you or whether you are making a fradualent claim.

I would have thought it would be in your interests to declare that you both live together especially if you aren't married (nothing prejudicial it's just easier to prove things if you have a marriage certificate and same surname).

The insuance gives you personal cover e.g. 3rd party liability, as well as just the house, so naming the individuals iup front is very much in your interests rather than having to prove that she did actually live with you when you have a stresful claim going on.

olly300

Policies ask if only you or members of your family live in the property, as you are not married then unfortunately she is not legally family.

So if you are not named on the policy and say a forced breaking occurs then the insurer is within their rights not to pay up because your girlfriend delibrately didn't tell them the truth about who lived in the property from the time the policy was taken out especially if you are in one of the professions they don't want to touch. (You could argue it differently if you moved in later.)

If they decided not to void the policy and pay out then they wouldn't pay out for any belongings that are not your girlfriend's i.e. if the missing things included both your passports they would only pay out to cover your girlfriend's passport.

BTW esure while they have cheap policies, have lots of t&c which are hard for people to meet and also penalise people in lots of different professions particularly people who sometimes have to work nights.

I suggest you get on the phone and see who will insure you then get a web quote to see if it's cheaper.

FlameCloud

olly300 wrote: »

Policies ask if only you or members of your family live in the property, as you are not married then unfortunately she is not legally family.

I'm afraid that isn't right. Alot of policies include partners in their meaning of 'family' or 'you, your', meaning that you wouldnt have to declare them. The only issue you may have is that they have a financial interest in the building.

Halifax-

Your Family
You, your spouse, your civil partner (as defined in Section 1 of the Civil Partnership Act 2004) or theperson (whether or not of the same sex) with whom you are permanently cohabiting in a marriage-like relationship, children (including adopted and foster children) and relatives or domestic staff whonormally live with you. (http://www.halifax.co.uk/insurance/help_whatdoesitmean.asp)

Norwich Union-

You, your

The person (or people) named in the
schedule, their domestic partner and
members of their family (or families) who
are permanently living with them.

(http://www.norwichunion.com/library/pdfs/home-insurance-policy-wording.pdf)

Tesco-

Family

Your spouse, Partner and other relatives normally living with You. (http://www.tescofinance.com/personal/finance/insurance/homeins/policy-doc.html#f11)