car insurance (possible new question)

[Taff]

just been playing about with compare the market as I am looking for insurance for the F. Following on from Martin Lewis's advice, I left the ex-wife on and it brought my quote down by £100.

 

Obviously I don't want her anywhere near the car but if it saves me £100 I'll do it. My questions is, do I have to tell her she is insured on my car?

[garbaldy]

You know what they say.

What you don't know won't hurt you

 

 

I wonder if adding two ex wife's would bring it down more.

[scdan4]

I don't think it would matter at all.

 

You could insure anyone to drive your car, it's between you and the insurer. The insuree doesn't need to know (up to the point where you tell them to drive it and then they would need to know they are iyswim).

[anonymous user]

That sounds good, I wonder what discount I would get if I added the Dalai Lama and Pope Jim Bowen as named drivers.

[bub2006]

My separated wife is on my policy. Bought mine down substantially. When renewal comes up though I doubt she will be going back on.

[Christine]

When you get speeding ticket you could say she was driving ..

[anonymous user]

That went well* for Chris Huhne as I recall

[Bren]

I never tell my wife anything.....

[Pillock]

I've been on the other side of this.

 

When I split from my ex, I had a classic* car for a bit (a rubbish Mk3 Golf just old enough to scrape into a classic policy) but then eventually took out a regular policy on my Leon. You get the question of "How many cars are you insured on" or a variant, how many in your household or "are you a named driver on another car". I said I only had the one car. They immediately queried it, asked if I was sure. I looked out the window, counted all the cars I'd just bought (still just the one) and repeated my answer.

 

They told me I was a named driver on another car. It was my 26 year old ex had used 31 year old me to lower her insurance price by leaving me on, this was 18 months later so had been renewed. It was visible to them as it was part of the same insurance group, Admiral own Elephant and Esure and all sorts of places. So it made me look like a liar, and was just bloody cheeky of her TBH.

 

They were OK about knocking me off it, I hope she got a letter with a massive mid-policy price hike for the cheek of it.

 

I think the gist of this is that she may find out, and if she does will she cause you more than £100 worth of ear-ache? I'm honestly not sure about the legalities of it. 

[mercrocker]

I don't trust insurers.   If you tell them something to be true when you know it isn't they could refuse to pay out.   No big deal maybe - until you come to re-insure.   They run a bigger black list than Blackbeard's Black book of Black-balled black-jacks.

[New POD]

just been playing about with compare the market as I am looking for insurance for the F. Following on from Martin Lewis's advice, I left the ex-wife on and it brought my quote down by £100.

 

Obviously I don't want her anywhere near the car but if it saves me £100 I'll do it. My questions is, do I have to tell her she is insured on my car?

 

Do you have kids together ? If so, that might be a legitimate reason to ring her up and say, "look if you ever need the car to take our children to an emergency hospital appointment, I'd like to keep you insured on the car if that's okay?"

[Taff]

I've been on the other side of this.

 

When I split from my ex, I had a classic* car for a bit (a rubbish Mk3 Golf just old enough to scrape into a classic policy) but then eventually took out a regular policy on my Leon. You get the question of "How many cars are you insured on" or a variant, how many in your household or "are you a named driver on another car". I said I only had the one car. They immediately queried it, asked if I was sure. I looked out the window, counted all the cars I'd just bought (still just the one) and repeated my answer.

 

They told me I was a named driver on another car. It was my 26 year old ex had used 31 year old me to lower her insurance price by leaving me on, this was 18 months later so had been renewed. It was visible to them as it was part of the same insurance group, Admiral own Elephant and Esure and all sorts of places. So it made me look like a liar, and was just bloody cheeky of her TBH.

 

They were OK about knocking me off it, I hope she got a letter with a massive mid-policy price hike for the cheek of it.

 

I think the gist of this is that she may find out, and if she does will she cause you more than £100 worth of ear-ache? I'm honestly not sure about the legalities of it. 

 

this is why I hang about here. Good shout, fella

 

Do you have kids together ? If so, that might be a legitimate reason to ring her up and say, "look if you ever need the car to take our children to an emergency hospital appointment, I'd like to keep you insured on the car if that's okay?"

 

and this. nice one

[warninglight]

You could always make up a couple of people! If they don't exist they can't crash it can they! It doesn't say anywhere that an insured person HAS to ever drive the car, and if they're a named driver it doesn't count as fronting either.

 

Its something I've thought about but never tried...

[Justin Case]

Just convert to Mormonism, you could have enough wives to add to the policy to make the cost come down to zero.

[Lacquer Peel]

Have you tried Google's insurance comparison website? They found the cheapest by far quote for me.

[Stixy]

Most insurers now seem want copys of licences and a dvla share codes for all named drivers .

[New POD]

Most insurers now seem want copys of licences and a dvla share codes for all named drivers .

 

NEVER have I been asked to prove anyone existed on taking out insurance, apart from once after an accident, they wanted to see a copy of my licence.

[Jim Bell]

From personal experience, when I add people to policies, I've always had to provide scans of their licence and counterpart. So scan those wife/burd/motherinlaw licences NOW for future benefits.

[Tamworthbay]

That sounds good, I wonder what discount I would get if I added the Dalai Lama and Pope Jim Bowen as named drivers.

  

A super smashing lovely great big discount.

but only if you live on a council estate in Sheffield and are insuring a speedboat

[JohnK]

I would consider whether there are any changes to her circumstances as well.

 

If she is your ex wife she likely might not have told you about those 3 points she got, or that bump she had in Tesco.

 

You could then be liable for providing false information to the insurance co if they ever queried it and it would be your policy cancelled, and then you declaring that you have had a policy cancelled for all future insurance quotes.

[Pillock]

Most insurers now seem want copys of licences and a dvla share codes for all named drivers .

Nope, never happened with me. I'm named driver on two other policies, my wife is on both of mine. Even my employer didn't want to see a licence, they just have a blanket "partners and children" cover on company vehicles.

[Alan_Green]

Paper counterpart is now redundant. Found this out when I replaced a stolen licence online about a month ago. Think it's a new thing as Enterprise needed it and had to make a call to DVLA when I last hired. 

[Pillock]

This was a change DVLA made in July or so, and had no press coverage at all. Makes sense though, it's bleedin' 2015 and we're all walking around with a piece of dog-eared paper to prove we can drive.

 

The week after they changed it, Mrs_Pillock had to hire a car through work..... "You'll need to bring both bits of your licence" they said. "I've only got one, the other has been shredded" said she. They started making lots of sucky-air-through-teeth noises as there's a charge for having to phone the DVLA to check for points, so she kindly told them how to do their job in so much as the hiree can provider the hirer with a temporary code to be used online that reveals any points or driving offences. The paper counterpart is no longer an acceptable document, it means nothing.

 

Don't go shredding your paper licence though folks, it's only the counterpart that's gone. If you don't have a placca card licence, your paper one is still valid.