Car Insurance Dilema

[lorlaman]

My ex is on our insurance policy which covers the house currently for sale and the 3 vehicles we own.
She owns one vehicle (in her name) and is listed as the principal driver
I own the other two (in my name) and am listed as the principle driver
I pay the premiums for the insurance and must include her car premium. The insurance company say they can't take her off the policy for car coverage only without her written consent.
What can I do to get her off the car policy?

[dadtotheend]

Stop paying.

[Kimberley]

I fail to understand why they would tell you they cannot remove her from the policy if you are not living at the same address. You are required to have all licensed drivers in the same home listed, but once she's moved out, they cannot force you to keep her on the policy.
They may believe that she has rights and/or access to the other vehicles so that might be what's holding it up.
Have a serious chat with them about it, and if they refuse then it's time to change insurance companies.

I have been using a broker for just over 10 years; the moment my ex moved out, I had no issues having him removed from the policy. Even IF he were to have driven my vehicle after the fact - he would have been a male driver over 25 anyway.

They are being unreasonable IMO, so I would start shopping around to be honest.

[tugofwar]

They probably need her to sign a release of interest for the car insurance policy. Do you live at different residences?
Have the insurance company address her with a letter of relase of interest. If she continues to not sign it then Im not sure what else you can do. As for the house, if you both still own it and it's not sold, then you can't get her to release her interest until you reslove the issue.

[logicalvelocity]

I had something like that happen before with someone difficult. What I did was stopped payment as mentioned by DTTE, resulting in policy cancellation and went on to secure another policy with a different company.

[dadtotheend]

Exactly, or threaten to stop paying. They will mysteriously become more agreeable.

Who's the boss here anyway? Hint ----> It's not the insurance company.

[Pharah]

LOL! DTTE your awesome!

[NBDad]

Yeah they won't take her off an active policy without her signing a document. HOWEVER when the policy comes up for renewal, they can rewrite it without her.

That, or switch insurance companies. I had a similar issue with my old company...needless to say I am no longer with them. (Just make sure you start up a new policy before you cancel the other one....that way you don't get a "insurance gap" occurring.)

[Kimberley]

I guess I had it easy then; but I have stayed with the same broker because I like being able to just email her or call her & she knows who I am considering the years I have been with them. She just simply removed my ex from my policy.

[dadtotheend]

Plus which she's your broker so she has your interests at heart. She probably made a call to the insurance company and explained that they stand to lose you. And then...

The sticky wheel got the grease
The sticky wheel got the grease
And another one got and another one got
The sticky wheel got the grease

YouTube - Queen - 'Another One Bites the Dust'