No claims discount - changed name

Ghayes85

Hi

I have recently got married but didn't change my name on my licence/insurance/log book as my insurance would be soon due for renewal. That time has come and I've been looking at new policies etc. Anyway, the one I chose said that proof of my no claims discount should be insured in the name of the person taking out the insurance. Of course I want my insurance in my married name but my proof of no claims is in my maiden name!
Does anyone know if this is going to cause a problem? Will the new insurers accept a marriage certificate as proof of name change? I'm worried now because I've gone ahead and changed the name on my license !

Thanks

Quentin

Your insurers should accept that your name changed after your marriage.

In the unlikely event you hit a problem you can send s copy of your marriage certificate to resolve it

forgotmyname

Only minor issue maybe if the new company is linked to the old one and they want to know why you failed to notify them you got married.

Ghayes85

None of their business :rotfl:
Seriously, I don't have to change any of my documents upon getting married if I don't want to, so why would that matter?
I'm most concerned about my 9 years no claims.

Aretnap

Ghayes85 wrote: »

None of their business :rotfl:
Seriously, I don't have to change any of my documents upon getting married if I don't want to, so why would that matter?.

Most insurers will ask your marital status as one of their standard questions, and if the policy terms require you to inform them of that change (immediately or at renewal time) then you have to do so. Being married has an effect on your premium, usually in a good way (mine went down noticeably when I got married).

mattk_180

It's actually all of their business and yes you do have to change your documents.


1. Marital status is a material fact that affects their premium ratings, for better or for worse (pun intended).
2. Insurance certificate is a legal document, that is now incorrect because you've changed something that is on it.
3. It stops problems such as your NCB predicament by declaring it straight away.
4. You should have done it all anyway as you can now be fined huge amounts for not changing your licence*


*(It may just be for address, but I'm pretty sure it's for your name too).

Quentin

Just scaremongering.

No huge fines at all for not notifying dvla of your marriage!

mattk_180

Not scaremongering at all based on things I've read.


3. Check your name is correct if you've changed it
The third check is to make sure your name is correct on your driving licence, particularly if you've changed it since getting married.
Direct Line previously found 3% of married women had an out-of-date name on their licence, which bizarrely could also incur a £1,000 fine. So if you think you could be affected, check now.


http://www.moneysavingexpert.com/travel/renew-driving-licence

Ghayes85

Thanks! My name is correct on my licence as I've recently updated it in preparation for renewing my car insurance. the car is still registered in my maiden name. I don't know how having my maiden name on my policy would be an issue - I'm still me and I can prove it. My original question was will the new insurance company accept my marriage certificate as proof of name change? I'm really not concerned about my current policy being in my maiden name.
I suppose I'll just bite the bullet and call them later on before I buy the policy.

mattk_180

If you've updated your licence then great. For consistency I personally would change the rest, but as far as I'm aware there's no obligation to change the log book or insurance. My only concern would be that if you needed to claim, got pulled over, or got into any kind of situation that you had to produce documents, they would be in different names and you would have to go through explaining it every time and producing your marriage certificate etc.


To your original question though, some insurers are flexible and will just accept the fact you have recently married and trust you, but if not then I would imagine the marriage certificate would be more than acceptable.

forgotmyname

DVLA and marriage not an issue, but the insurance is. As mentioned its usually cheaper when your married. But not informing them could cause issues if you need to claim.

You maybe with a rare insurer that wont cover married people, if one exists?