HELP...CAR INSURANCE - HotUKDeals
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HELP...CAR INSURANCE

joolz24 Avatar
6y, 4m agoPosted 6 years, 4 months ago
OK,BIT CONFUSING-NEED ADVICE ASAP.PLZ ;-)
I recently got my car-feb 2010 from a local garage,the finance is in my parents name-the car is registered to myself and the insurance is in my partners name,im a named driver...so my partner n myself separated bout a month ago..i wrote trhe car off 2wks ago!iv got an offer for the car from the insurance and my ex partner said he is gonna keep the cheque,can i have the cheque change into my name?
joolz24 Avatar
6y, 4m agoPosted 6 years, 4 months ago
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#1
this happened to my husband as well, you cant get it changed into your name as its not your policy the only thing you can hope is that he will hand the money over to you

Its just unfortunate the way things have turned out, hope you get it sorted, you could take it to small claims court and see if you win your case there, as the car is registered as being yours, although by rights your mum should get the money seen as she is financing it.

I take it that you are the main driver of the car as well, I hope the insurance company new about that! you should really have taken out insurance of your own when you split up. thus avoiding the situation your are in now
#2
o,i dont think he will,cuz im still payin for the car-how does that work,cuz legally we shud inform the finance company the car has been declared total loss,but the finance is in my mums name-will they still pay the finance?
banned#3
The insurance is in his name so the only person they'll pay out to is him but you may be able to get them to pay the finance company directly.

If he takes the chesue then you willl have to sue him to get it back if he isn't going to hand it over
#4
Paddy Charlie
The insurance is in his name so the only person they'll pay out to is him but you may be able to get them to pay the finance company directly.

If he takes the chesue then you willl have to sue him to get it back if he isn't going to hand it over


thats a good idea if the insurance company will talk to her, most insurance companies will only talk to the policy holder
#5
its only me the have spoke to,iv been dealing with it all,say the send out the cheque?how long does this usually take?
#6
joolz24
its only me the have spoke to,iv been dealing with it all,say the send out the cheque?how long does this usually take?


usually quite a while, insurance companies like to drag their heels, if you can I would get them to pay it straight to the finance company that way there is no risk of you not getting the money from the car, better that than still paying the finance and no car, with the ex up on a few thousand pounds!

I would phone them asap!
#7
no,im just a named driver,not main driver.yes i was told to get the insurance changed.thot i knew best.lol
#8
im gonna phone them,what happens if they cant pay the finance company bcuz its not in any of our names?he still gets the cheque?
#9
joolz24
no,im just a named driver,not main driver.yes i was told to get the insurance changed.thot i knew best.lol


I ment that you drive the car more than your ex, which makes you the main driver, insurance companies dont like it when you lie to them about this, usually people do it to get cheaper insurance, think its called fronting, and they can cancel your policy if they find out
#10
o rite,no we shared the car for work n kids lol
#11
If you tell them you were the main driver but only registered as a named driver the insurance company is liable to cancel the payment outright.

Could you not lie to your ex and tell him the finance company has requested the money be paid to them and has threatened legal action against your parents as the holders of the finance agreement, you as the registered owner and him as the policy holder. Or whatever lie best suits your situation (keep it simple and vague).

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