Informing insurance company of marital status

Indricotherium

When you buy insurance, as far as I know, marital status has an affect on the quote.

Does this mean that if you get married you should inform your insurance company or risk not bing covered?

jayok

Never heard of that.

I assume though married men are less risky, as they are now simply "broken men" and have no drive left

(Won't be showing the missus this post!)

Chuck_Norris

jayok wrote: »

Never heard of that.

I assume though married men are less risky, as they are now simply "broken men" and have no drive left

(Won't be showing the missus this post!)

Very appropriate response, given your sig! :pac:

MugMugs

Indricotherium wrote: »

When you buy insurance, as far as I know, marital status has an affect on the quote.

Does this mean that if you get married you should inform your insurance company or risk not bing covered?

Was it a question asked when the policy was incepted? If so and that situation has changed you should inform your insurer.

Colonel Sanders

Indricotherium wrote: »

When you buy insurance, as far as I know, marital status has an affect on the quote.

Does this mean that if you get married you should inform your insurance company or risk not bing covered?

Can't imagine it would void your insurance by not telling them (but don't quote me on that!)

However Insured & Spouse is almost always cheaper than Insured Only.

cml387

Your insurance will go down considerably because you'll be reminded about driving too fast, being too close to the car in front, you're not going to overtake now surely.....

duckysauce

jayok wrote: »

Never heard of that.

I assume though married men are less risky, as they are now simply "broken men" and have no drive left

(Won't be showing the missus this post!)

not if the missus is moaning in your ear while driving , this is the most dangerous thing on the roads , a moaney wife

Supergurrier

You are only required to inform the insurance company of marital and any other changes (points etc) on your next renewal.

MugMugs

Supergurrier wrote: »

You are only required to inform the insurance company of marital and any other changes (points etc) on your next renewal.

Can somebody stick a face palm in here for me? I'm on mobile.....
Supergurrier, you're obliged to inform your insurer of any material facts that may have changed. You should not give advice on something you know nothing of dude. It's uncool.

Yawns

Inform them. It's easier and chances are she'll then be covered to drive your car and depending on policy details etc it could be for no extra charge or very minimal. No need to go adding a named driver then if that turns out to be the case.

MadsL

Marital status was deemed to be an excessive question for the purposes of insurance by the DPC.

Why would you tell them something it is illegal for them to ask?

http://www.dataprotection.ie/Viewtxt.asp?DocID=110

coolisin

If she's already on your policy, she'd be covered under spouse partner, so nothing changes its ok, nothing changes except your life is over!!

Stheno

duckysauce wrote: »

not if the missus is moaning in your ear while driving , this is the most dangerous thing on the roads , a moaney wife

Even worse is an Oh who is clinging to the door in terror whilst you are still under the limit? And trying to shove into your space to check the speedo?

coolisin wrote: »

If she's already on your policy, she'd be covered under spouse partner, so nothing changes its ok, nothing changes except your life is over!!

This is correct iirc, once you have a spouse/partner cover it's the same.

blindside88

Marital status doesn't affect your policy, it becomes important when adding a second driver (some insurers give a discount for having your spouse as a named driver). On the matter of advising the insurer of material facts, it differs from insurer to insurer, this is outlined in your policy documents

Mr Keek

If your wife is not on your policy as named driver, then put her on, because it will work out cheaper for you. And vice versa, you go on hers if you are not already named. Ye will get the Insur'd & Spouse/Partner discount.

Not every insurer does this discount, but a lot do too!

If she is already on the policy as a named driver but classified as a partner, then you wouldn't really need to, unless she is changing the name on her drivers licence frm her maiden name to yours.

tommyboy2222

There is a second car discount as well as an Insured and Spouse discount.

Basically if your OH has a car you can also get a discount of between 11 and 14 % . At least in the company I work in.