Review insurance for your home and possessions on separation

Money Advice Service

If you’re moving to a new home after you and your ex-partner have split up or your ex-partner is moving out, you may need to change your existing insurance or buy a new policy. You may also have to review or buy car or pet insurance. Make sure you get the right cover at the best price.

Removing your ex-partner from your policy

If you need to remove your ex-partner’s name from your home insurance policy or you need to come off theirs, your insurance company will want to know you both agree to this.

Working out the insurance you need

As part of your split, you might take over the house or a tenancy agreement.

Use our Budget planner to work out the right choice for you.

Or you might buy a car when previously you owned one with your ex-partner.

It’s likely that you’ll need different or additional insurance cover.

Checklist:

  1. Draw up a list of things you own, such as your home (unless it’s rented), possessions you have in your home, car, pets and gadgets
  2. Check if you already have insurance for these and if so, whether it’s the right level of cover. If you don’t have insurance, consider whether you need it
  3. Shop around for the right policy
  4. Budget for the costs of extra insurance you might need

Arranging buildings insurance

You will need both buildings and contents insurance if you own your home (except for leasehold flats).

With leasehold flats, the landlord will normally arrange buildings insurance.

Buildings insurance is designed to pay out if your home is damaged by something like a flood, a fire or a storm.

If you are taking out insurance on your home, make sure you shop around for the best policy.

Don’t just choose the cheapest one, but make sure it will provide the cover you need for where you live.

Find out more in Home insurance – how to get the best deal.

Arranging contents insurance

Whether you own or rent your property, you will need contents insurance.

If you need buildings insurance as well, you can buy combined buildings and contents policies.

If you don’t need buildings insurance, you can buy contents-only cover.

This will pay out if your possessions are stolen from your home or damaged by a fire or flood, for example.

Read how to get the best policy in Contents insurance – choose the right policy and cover.

Insuring your car

If you’ve been a named driver on your ex-partner’s car insurance, you might find you don’t have a ‘no-claims’ discount in your own right.

This is a discount off the full price of insurance which you earn for every year you don’t make a claim.

If you don’t have a no-claims discount you might find it hard to get a quote for car insurance from some companies, and where you can get a quote, the premiums are likely to be higher.

Read more in Car insurance – how to get the best deal.

Insuring your pet

Caring for a pet can be expensive and you might think insurance is a luxury you can do without when you’re dealing with other pressures of separation.

But before you make up your mind – think about how you would pay a vet’s bill if your pet was to become ill or have an accident

If you decide to buy pet insurance, it’s worth knowing that policies can vary widely.

Some pay out for a limited time while others will pay out for ongoing conditions (such as arthritis or diabetes).

Read our helpful guide Pet insurance – do you need it?

Find out how to get the right policy at the best price in Pet insurance – choose the right policy and cover.

Insuring your gadgets

If you have an expensive mobile phone, tablet computer or laptop, you might want to take out insurance in case:

  • You lose them
  • They are stolen, or
  • They get damaged.

Check your home insurance cover first, as this might insure gadgets you own.

If not, you might want to buy standalone cover.

But make sure you check the policy information so you know when the policy will pay out.

Find out whether you need this insurance in Do you need mobile phone insurance?

Your next step

Check out Your financial position in a new relationship

This article is provided by the Money Advice Service.

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We hope you find Rest Less Money a useful resource and we would welcome your feedback at [email protected] on how to make it even better. For more information on any of the above you can read our full terms and conditions.

Some important information about Rest Less Money

We want you to understand the positives, but also the limitations of using our site. We operate in a journalistic manner and therefore all information, guidance or suggestions provided are intended to be general in nature, and you should not rely on any of the information on the site in connection with the making of any financial decision.

When we set out to build Rest Less Money, we wanted to be a trusted place where you could find helpful information about financial matters affecting the over 50s. As a free to use resource, we try hard to provide the best information we can, but we cannot guarantee that we won’t occasionally make mistakes. So please note that you use the information on our site at your own risk, and we can’t accept liability if things go wrong.

Key things to remember when using Rest Less Money:

We do not offer financial advice – As a journalistic site, it’s important to know that we do not provide financial advice. You should always do your own research before choosing any financial product so that you can be certain it is right for you and your specific circumstances. If you are in any doubt, please seek professional financial advice from a regulated financial advisor.

No Liability – please note that you use the information on Rest Less Money at your own risk and we can’t accept liability for how you choose to use the information given on our site. We will often provide links to content or products and services available on other third-party websites. These are provided purely for your convenience and we cannot be held responsible for any content, or any of the products and services offered on any website that we link to.

 

Accuracy of Information – We try to make sure that all the information provided on Rest Less Money is correct at the time of publishing as we want it to be the most helpful resource possible. Sadly, we are not perfect however, and so we can make no guarantees as to the completeness, accuracy, adequacy or suitability of the information available on the site.
Whilst we work hard to try and provide accurate information, deals and prices can change, so whilst they may be correct at the time of writing, providers may subsequently decide to alter them later – so always double check first.

A final note on the Rest Less Community Forums – always remember that anyone can post their opinion on the Rest Less Community Forums, so it can be very different from our own opinion and may not be factual or well researched. Always be wary of any content posted on the forums and be sure to do your own research and due diligence on anything suggested. 

We hope you find Rest Less Money a useful resource and we would welcome your feedback at [email protected] on how to make it even better. For more information on any of the above you can read our full terms and conditions.

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