Divorces often lead to heated arguments. It’s about such important questions as custody of the children, equalization of pensions, the increase in assets, or who moves out of the house or the shared apartment. Conflicts are programmed. What is often forgotten is the shared insurance policies.
Liability Insurance
Liability insurance is one of the most important insurance policies that everyone should have, advise the Association of Insured Persons and consumer advice centers. Nevertheless, it is voluntary, not compulsory insurance. However, according to the law, everyone is liable without limitation for all damage to persons, property or objects that is culpably caused to another.
With family liability insurance, spouses and children are also insured. One of the partners is always officially the policyholder; his name appears on the policy. And that can become a problem when you separate, warns Bianca Boss from the Association of Insured Persons: “The moment you actually separate, i.e. when you live in different places, you should treat yourself to separate private liability insurance.” That costs around eight euros a month, says Boss.
The insurance coverage expires upon divorce. Bianca Boss knows of cases in which the policyholder has included a new partner in the contract after moving out. Then those previously insured will be left without protection, possibly even without knowing about it.
The accident insurance
Accident insurance coverage remains after the divorce. This can become a moot point when it comes to paying the premium. If the spouses have individual policies, they can agree on a formal separation.
For family insurance, for which a preferential premium applies, individual contracts should be concluded, but these can be more expensive overall. Bianca Boss recommends an amicable solution: “It would be nice if all family members could continue the contracts. Or someone could continue the contracts for all the children and the former wife would just take over the contract herself.”
The household contents insurance
There is no rush when it comes to household contents insurance, but a de facto separation still has to be carried out here too: “If the policyholder moves out and the other partner stays in the previous apartment, then the previous insurance is initially in the old and also applies to the new apartment. This applies up to three months after moving out,” explains the expert Boss. The policyholder who moves out continues to own the “household contents”. The person left behind takes care of new insurance coverage. Here too, Boss advises a clear and quick separation.
Home building insurance
In principle, the owner registered in the land register is also the policyholder for residential building insurance. If both are in the land register, the insurance remains in effect after the divorce. “Of course, it is more of a rule that ownership changes in the event of a separation,” explains Bianca Boss. “Then it would be the case that one of them is the future sole owner of the building, then that would be changed in the land register and also changed as the policyholder’s status.” The decisive factor for the transfer of insurance is the entry in the land register.
The car insurance
In many families, says expert Boss, the man looks after the shared vehicle fleet as a matter of course. When it comes to divorce, especially when it is heated, it is often misinterpreted as a good opportunity to get one over on the other person. In divorce cases, car insurance can be a subject of debate.
The no-claims bonuses or special tariffs experienced as public sector employees are personal and are therefore available to the policyholder. He benefits from lower damage classes, even if his partner has experienced them.
The simplest solution would be an amicable transfer of the contract and the discount. A lawsuit would also be conceivable, but whether it would be worthwhile is questionable. Bianca Boss from the Association of Insured Persons recommends having a clarifying conversation with the insurance company: “I have proof that I was driving. I have a driver’s license, then the insurance company will put me in a good no-claims category. I don’t see that “It’s a huge problem. But,” she adds, “of course I won’t be placed in the lowest class, which I could have already experienced.”
2024-03-17 05:18:25
#Insurance #event #divorce
