Removal from someone elses car insurance

[Dollybird01]

My daughter agreed to be added as a second driver to her now ex-boyfriends insurance so he could make a saving of about £300 a year. They split and she wants to remove herself from his insurance (he pays for it monthly as opposed to the one off yearly fee). He refuses to do it and wont give her his policy number so she can do it herself. She has contacted the insurer explaining the situation but they just keep telling her that they wont discuss the insurance with her as she is not the policy holder. How does she get round removing her name. The ex is as such now using her details with out her express permission.

[Hopkirk]

I doubt she can be removed from this years policy, and will have to wait for it to expire.

After all he did not make any fraudulent declaration at the outset of the policy.

The fact he pays monthly is not relevant. He has taken a years policy, and has effectively borrowed the money from them to pay for it. He simply repays that in monthly insurance.

However if he tries to renew with her named, then he would be making a fraudulent statement. I suggest this is made clear to the insurance company, in time for his renewal.

[Hopkirk]

...oops, I meant monthly instalments.

[dotty.]

she should take out her own drivers insurance with the same insurance company and see how they get round that one.

[Hopkirk]

That wouldn't do anything Dotty.

There is nothing to stop you having your own insurance, and being a named driver on someone else's policy.

[dotty.]

but she must be accumulating a no claims discount, which she should be able to use on a new policy

[Dollybird01]

she does actually have her own insurance with the same company, that seems to bear no difference on the situation even though they are aware

[Hopkirk]

No, being a named driver does not normally accrue any no claims discount.

[Dollybird01]

the thing is also if they wont discuss or even acknowledge what she is saying about being removed from the ex' insurance, they wont acknowledge or discuss trying to advise them that she wont be wanting to be on it when it is renewed

[dotty.]

ok that sounds ridiculous but i hate insurance companies and so nothing surprises me, but she surely must put it in writing to them that she no longer has any intention of driving the other car and that the insurers must not include her in any further policies for it. also, what if he has a claim? is she sure it won't affect her future policies?

[factor-fiction]

I don't think there's anything she can do.
Sorry, but don't see what your/her concern is with this arrangement.

[ummmm]

It makes no difference. Don't worry about it.

[bushbaby_de]

I dont understand why she's bothered. All it means is she could drive his car should she ever wish to. Since she doesn't, and it has no bearing on anything else, it makes no difference that her name is still on the policy. Unless out of spite she wants to make his premiums go up, in which case she should just let it go and move on.

[ummmm]

Which is what I thought bushbaby..

[Dollybird01]

Its not about spite at all, and I take offence at your insinuations. But she wants her name removed from something thats official, that has nothing to do with her anymore and also to ensure that the ex does not try to keep her as an additional driver when he renews next year. There could be a lot of connotations with her name being left on, what if there was an accident, he could say she was driving the car and this could be a possibility if her name is left on the insurance. There could be a million and one issues that could possibly arise, she & I just want to make sure that if he ever has any issues with the car etc that her name does not in any way be associated with it

[ummmm]

There could be a lot of connotations with her name being left on, what if there was an accident, he could say she was driving the car and this could be a possibility if her name is left on the insurance.

Very very very unlikely.

[mark01]

I quite agree with you Dolly.

Write to the Insurance company so they have something in writing to refer to - if they wont take your daughters name off during the insurance year, at least this should flag something up on their system next time renewal comes along. Good luck.

[Dollybird01]

Thanks for some helpful advice Mark, I feel by the tone of some of the replies that I am being vilified for being worried about my daughter's situation. Her ex has already crashed into a lamp post in the last week. I dont know if he has contacted his insurance about it, but if he does will it incur problems for my daughter and her insurance costs in future years because her name is associated with him, the car and his insurance. See I just dont know about the full implications of all this, I admit I am not au fait with the ins & outs of car insurance etc as I have never owned a car, all I know is I dont want my daughter being tied or tainted with any future problems he has. If people say there is nothing to worry about then fine, but could he without her knowing put her name as an additional driver next year and without her express permission? He was the one who had to contact the insurance company this year using his email address attaching copies of her driving licence etc to ensure they added her this time. All he would have to do is use those attachments next year to add her again.