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Dual insurance
Echonovember
Posts: 2 Newbie
Hi can anyone help with this difficult scenario.
Facts
1) I jointly own a property with my partner.
2) I moved out of the property 3 weeks ago due to relationship breakdown but she remains at the property.
3) She has insured the property from 03 January 2018 by continuing with the same insurance company we were with the previous year
4) However without informing me she is the sole named policy holder. Under our previous insurance I was the joint policy holder.
Problem
1) As I am not on the policy she could cancel the insurance at any time and I would not know if the property was insured or not.
2) Solicitor said I cannot compel her to put my name on the insurance as a joint policy holder.
3) Insurance companies say they will not dual insure a property neither will the underwriters.
4) Insurance company that she took the insurance with cannot not discuss the insurance with me as I am not on the policy. So due to data protection they cannot tell me anything.
Conclusion
1)Now my partner could stop the insurance and if there was a fire and the property was damaged I would lose everything.
2) I cannot take out insurance to protect my house as I cannot dual insure.
3) If she has got insurance and the house was burnt to the ground there is no guarantee she would make a claim for years leaving me without a house to sell.
Help !!
Help or advice appreciated
Can anyone help with this as this situation could happen to anyone
Facts
1) I jointly own a property with my partner.
2) I moved out of the property 3 weeks ago due to relationship breakdown but she remains at the property.
3) She has insured the property from 03 January 2018 by continuing with the same insurance company we were with the previous year
4) However without informing me she is the sole named policy holder. Under our previous insurance I was the joint policy holder.
Problem
1) As I am not on the policy she could cancel the insurance at any time and I would not know if the property was insured or not.
2) Solicitor said I cannot compel her to put my name on the insurance as a joint policy holder.
3) Insurance companies say they will not dual insure a property neither will the underwriters.
4) Insurance company that she took the insurance with cannot not discuss the insurance with me as I am not on the policy. So due to data protection they cannot tell me anything.
Conclusion
1)Now my partner could stop the insurance and if there was a fire and the property was damaged I would lose everything.
2) I cannot take out insurance to protect my house as I cannot dual insure.
3) If she has got insurance and the house was burnt to the ground there is no guarantee she would make a claim for years leaving me without a house to sell.
Help !!
Help or advice appreciated
Can anyone help with this as this situation could happen to anyone
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