Named driver on Ex's Policy

[boringgit]

One for the insurance bods I guess.

Me and my parter split up just over a month ago. Neither of us live in the property we rented. Where her car is probably still registered and insured.

She hasn't removed me from her insurance policy citing "admin costs". I highly doubt she has amended her policy address, being a named driver on my policy or status either. I'm sure that's tantamount to insurance fraud but thats by the by I guess.

My question. Is there any fallout on me should a claim arise on her policy?

Sure the answer to the above is a big fat no. So if so, how can I remove myself from the policy when she refuses to amend it.

[Lindun]

No

Not fraud either

Why does it matter? It can’t and won’t affect you in any way.

Edited to add: just move on. You're acting like a petulant child trying to get back at her with stuff like this.

Edited by Lindun on Sunday 4th August 21:34

[boringgit]

Correct. It doesn't matter, i just don't want to be anyway connected with the policy or vehicle. If the answer is a big fat NO then that's great.

[Shiv_P]

No - even if she makes an at fault claim there should be no reason why you will be contacted in any way. Only issue will arise if you are named as the driver even though you weren't by her, but then of course that's fraud

[boringgit]

Shiv_P said:

No - even if she makes an at fault claim there should be no reason why you will be contacted in any way. Only issue will arise if you are named as the driver even though you weren't by her, but then of course that's fraud

Answer I was looking for, thank you. Never been in this situation before.

[Red Devil]

With you as a named driver on her policy, she is the one running the risk here.
Let's just suppose for the purposes of debate that you have a couple of at-fault accidents plus 3 x 3 point speeding convictions.
Her insurer is going to go ape if she doesn't declare them and they find out.

[sospan]

The policy is in her name with you as a named driver?
If so then it is her responsibility to update the insurer about the change of circumstances.
A named driver needing to be removed is a significant change that could well affect the policy premium plus other details in t&c’s. Also, her change of address and the possibility of car in a now unoccupied address.
“Where is the car normally kept” is a standard declaration with garage/drive/roadside etc as qualifiers.
There might be a chance of voiding the insurance due to undeclared changes so she should at least phone them to ask.
Do you have any intention of driving the car?
Check your insurance re “Do you have access to other vehicles” that may be in there.
Better safe than sorry.

[Decky_Q]

I've been on the other side of this, I kept my ex on my insurance as it was going to cost quite a bit to remove her before renewal was up, insurer told me I could insure lewis hamilton with or without their consent if I wanted as long as they weren't the main policyholder.

[martinbiz]

Red Devil said:

With you as a named driver on her policy, she is the one running the risk here.
Let's just suppose for the purposes of debate that you have a couple of at-fault accidents plus 3 x 3 point speeding convictions.
Her insurer is going to go ape if she doesn't declare them and they find out.

errrr.....why does this affect the OP's ex in way at all? He is just saying he is still on her policy, not that he is using the car.

[Red Devil]

martinbiz said:

Red Devil said:

With you as a named driver on her policy, she is the one running the risk here.
Let's just suppose for the purposes of debate that you have a couple of at-fault accidents plus 3 x 3 point speeding convictions.
Her insurer is going to go ape if she doesn't declare them and they find out.

errrr.....why does this affect the OP's ex in way at all? He is just saying he is still on her policy, not that he is using the car.

I'm somewhat bemused that you needed to ask the question.

It matters not whether he doesn't. The potential to do so still exists.
Therefore her insurer needs to know about his driving record in order to properly evaluate the risk it could be exposed to.
https://www.moneysupermarket.com/money-made-easy/b...
What that link omits is that the obligation is ongoing, not just when a named driver is first added to a policy.

The scenario I postulated would almost certainly result in a hefty hike in her premium.

[TwigtheWonderkid]

Red Devil said:

martinbiz said:

Red Devil said:

With you as a named driver on her policy, she is the one running the risk here.
Let's just suppose for the purposes of debate that you have a couple of at-fault accidents plus 3 x 3 point speeding convictions.
Her insurer is going to go ape if she doesn't declare them and they find out.

errrr.....why does this affect the OP's ex in way at all? He is just saying he is still on her policy, not that he is using the car.

I'm somewhat bemused that you needed to ask the question.

It matters not whether he doesn't. The potential to do so still exists.
Therefore her insurer needs to know about his driving record in order to properly evaluate the risk it could be exposed to.
https://www.moneysupermarket.com/money-made-easy/b...
What that link omits is that the obligation is ongoing, not just when a named driver is first added to a policy.

The scenario I postulated would almost certainly result in a hefty hike in her premium.

All that is true, but the reality is, if the driver with convictions never actually drove, he would never have to claim, and they would never become aware. When the policyholder has an accident, they don't check the convictions of the additional drivers. They only ever ask about the conviction history/copy licence of the driver involved in the claim.

[martinbiz]

Red Devil said:

martinbiz said:

Red Devil said:

With you as a named driver on her policy, she is the one running the risk here.
Let's just suppose for the purposes of debate that you have a couple of at-fault accidents plus 3 x 3 point speeding convictions.
Her insurer is going to go ape if she doesn't declare them and they find out.

errrr.....why does this affect the OP's ex in way at all? He is just saying he is still on her policy, not that he is using the car.

I'm somewhat bemused that you needed to ask the question.

It matters not whether he doesn't. The potential to do so still exists.
Therefore her insurer needs to know about his driving record in order to properly evaluate the risk it could be exposed to.
https://www.moneysupermarket.com/money-made-easy/b...
What that link omits is that the obligation is ongoing, not just when a named driver is first added to a policy.

The scenario I postulated would almost certainly result in a hefty hike in her premium.

I really think you need to think this through, the OP getting done for speeding or having an accident, is not relevant to her policy at this time. His ex, you could safely assume won't be adding him to her policy when renewal time comes up and that is when any convictions / accidents for any of the named drivers will need to be declared

[wolfie1978]

Would this not be classed as fronting? Having the OP on the policy may reduce the premium. I know that having me as a named driver on my wife's policy does

[Welshbeef]

wolfie1978 said:

Would this not be classed as fronting? Having the OP on the policy may reduce the premium. I know that having me as a named driver on my wife's policy does

Maybe she believes after a short “break up” they will get back together


Who cares it’s noones issue one way or the other.

[The Mad Monk]

boringgit said:

One for the insurance bods I guess.

Me and my parter split up just over a month ago. Neither of us live in the property we rented. Where her car is probably still registered and insured.

She hasn't removed me from her insurance policy citing "admin costs". I highly doubt she has amended her policy address, being a named driver on my policy or status either. I'm sure that's tantamount to insurance fraud but thats by the by I guess.

My question. Is there any fallout on me should a claim arise on her policy?

Sure the answer to the above is a big fat no. So if so, how can I remove myself from the policy when she refuses to amend it.

Don't worry about it.

Move on.

By the way - it's 'My partner and I'.

[BertBert]

wolfie1978 said:

Would this not be classed as fronting? Having the OP on the policy may reduce the premium. I know that having me as a named driver on my wife's policy does

I don't think you get fronting. Fronting is not declaring a risk. Do you think you are fronting on your wife's policy?

[TwigtheWonderkid]

wolfie1978 said:

Would this not be classed as fronting?

Nope, absolutely nothing like fronting.

[Red Devil]

TwigtheWonderkid said:

Red Devil said:

martinbiz said:

Red Devil said:

With you as a named driver on her policy, she is the one running the risk here.
Let's just suppose for the purposes of debate that you have a couple of at-fault accidents plus 3 x 3 point speeding convictions.
Her insurer is going to go ape if she doesn't declare them and they find out.

errrr.....why does this affect the OP's ex in way at all? He is just saying he is still on her policy, not that he is using the car.

I'm somewhat bemused that you needed to ask the question.

It matters not whether he doesn't. The potential to do so still exists.
Therefore her insurer needs to know about his driving record in order to properly evaluate the risk it could be exposed to.
https://www.moneysupermarket.com/money-made-easy/b...
What that link omits is that the obligation is ongoing, not just when a named driver is first added to a policy.

The scenario I postulated would almost certainly result in a hefty hike in her premium.

All that is true, but the reality is, if the driver with convictions never actually drove, he would never have to claim, and they would never become aware. When the policyholder has an accident, they don't check the convictions of the additional drivers. They only ever ask about the conviction history/copy licence of the driver involved in the claim.

Thanks for the clarification. Do all insurers only ask for driver info updates at renewal time or do some insist on being informed at the time of occurrence?

[TwigtheWonderkid]

Red Devil said:

TwigtheWonderkid said:

Red Devil said:

martinbiz said:

Red Devil said:

With you as a named driver on her policy, she is the one running the risk here.
Let's just suppose for the purposes of debate that you have a couple of at-fault accidents plus 3 x 3 point speeding convictions.
Her insurer is going to go ape if she doesn't declare them and they find out.

errrr.....why does this affect the OP's ex in way at all? He is just saying he is still on her policy, not that he is using the car.

I'm somewhat bemused that you needed to ask the question.

It matters not whether he doesn't. The potential to do so still exists.
Therefore her insurer needs to know about his driving record in order to properly evaluate the risk it could be exposed to.
https://www.moneysupermarket.com/money-made-easy/b...
What that link omits is that the obligation is ongoing, not just when a named driver is first added to a policy.

The scenario I postulated would almost certainly result in a hefty hike in her premium.

All that is true, but the reality is, if the driver with convictions never actually drove, he would never have to claim, and they would never become aware. When the policyholder has an accident, they don't check the convictions of the additional drivers. They only ever ask about the conviction history/copy licence of the driver involved in the claim.

Thanks for the clarification. Do all insurers only ask for driver info updates at renewal time or do some insist on being informed at the time of occurrence?

Only at renewal.

[Red Devil]

Thanks