Getting Divorced or Separated

Going through a divorce is a highly stressful event, and usually laden with emotion. We feel for you. Whether you and your ex-spouse are on speaking terms or not, it helps to have a clear fact sheet that guides you through the rough of settlements and paperwork and provides guidance by giving you a list of things to do. We are here to help when it comes to adjusting your insurance.

Take it step by step, and be gentle with yourself. But be sure to revise your protection plan to your changed needs and to ensure that you have important coverage when you need it.

Unfortunately, this is not always easy. Call your team at Colley Insurance to help make your transition from joint insurance coverage to individual protection plans as smooth as possible. As you think about this transition, here are some important things for you to consider:


You had a fight, another one. The constant arguments are wearing both of you down. And this last one did it. You agreed that you should separate. Get a divorce.

He moved out, took some of his stuff, but hasn’t filed for divorce yet. You haven’t filed for divorce yet. But you know this has got to end.

Yet, you’re not quite sure how to tackle it all…it seems an awful lot to take care of. For one, separating the bills seems like a good idea...

Unfortunately, a separation (when you and your partner end the relationship, possibly live apart, but have not yet filed for a divorce) makes matters more complicated: As long as both of you are listed as “named insureds” on a policy, we cannot delete one of you from the insurance plan, and we cannot change your insurance without consent from your ex-partner.

In other words, we cannot make changes to your joint insurance plan when only one of you requests the change.

That said, there are certain steps you can and should take when it comes to your insurance plan:

1. Once you or your partner move out, you should update your existing Auto Insurance policy to show the new garaging address of each vehicle, as well as how far each car is being driven to work. This is usually the first step before splitting the joint auto policy.

2. Whoever moves out should get Renter’s or Homeowner’s Insurance for their new place. The existing homeowner’s policy will only extend limited coverage to a new residence.

Give us a call 519-824-4040. We can help you find the coverage that keeps you adequately protected in this phase of transition. We are here to help! We are here for you.

Auto Insurance

Your divorce is almost final when you receive your Auto Insurance renewal letter in the mail.

Right. That needs to be taken care of, too. Does it ever end?

Figuring out insurance between you and your ex-spouse is the least of your concerns. Who will list your 15-year old daughter and 17-year old son on their policy? Insurance for teen drivers doesn’t come cheap. And you agreed that they’ll live for a week with the other parent, then for a week with you. Now that doesn’t seem to make things easier…

Once your ex-spouse moves out, you should update the garaging addresses and commuting distance of all vehicles. This is the first step before splitting the joint auto policy.

Then, once the divorce is final, you should get separate car insurance policies. Give us a call. We represent a variety of insurance companies and can find the protection plan that best fits your new needs and budget. That said, if you choose to stay with your current insurance company, you’ll be allowed to keep your credits and discounts for being a “Safe Driver” even if you have to apply for a new policy.
Unfortunately, once you split the policy, you may no longer be eligible for discounts such as the “multiple car discount” or the “homeowner discount” (if you are now renting an apartment.) But you may be eligible for an account credit if you buy your renter’s insurance from the same company that handles your auto insurance.

If you have young drivers in your family, you should ensure that your children are covered on at least one, if not both parents’ auto policies, especially if your kids have access to both parents’ cars. If they have their “own” car, a car that they drive most frequently, then this car is generally registered and insured in the name of the parent in whose home the child resides most frequently. These issues are not always clear-cut so it is best to review the circumstances with your broker so that your insurance company can be consulted to make sure that the coverage is structured properly based on that specific company’s rules. Usually, if a child lives more frequently with one parent, then the child should be covered by the insurance policy of that parent.

Your team at Colley Insurance can help you build a new insurance plan that best fits your new situation and works for your new needs and your new budget.

Homeowner’s or Renter’s Insurance

So. This is it. The divorce is final, and you are the one who stays in the home you once shared.

The house is going to feel awfully big and awfully empty. But at least you don’t have to move. Not right away, at least. Maybe you can re-decorate…

Before you head out to the furniture store, please think of one small thing: Give us a call so we can adjust your homeowner’s or renter’s insurance to your name only, and make it work for your new needs. (That may even save you money.)

If you are the spouse who is moving out, please give us a call to set up renter’s or homeowner’s insurance for your new place.

The last thing you need right now is unnecessary hassle. Allow yourself the peace of mind that you deserve, and get your protection plan in place. We’re here to help. And we make it easy for you: We shop multiple companies for you, and find you the plan that best fits your new situation and your new budget.

Health Insurance

You have all been part of your ex-spouse's family health insurance plan. Now you’re getting divorced. Are the kids still covered? Are YOU still covered?

When you are going through a divorce, you may need to find a new health insurance plan for yourself if you have been previously covered on your spouse’s group health insurance policy. You may develop a condition down the road that limits your insurability and keeps you from obtaining your own health insurance at that time. It might pay to set up your own health insurance as soon as possible.

If you have children, compare your and your spouses’ plan, and enroll your children on the better plan. Keep in mind, however, that coverage may change or even be reduced by the employer so stay informed on the coverage available through the plan you chose to have your children on.

A divorce is not easy. Allow us to help you by letting us assist with your new insurance protection plan. We provide you with choices, solutions, and absolute confidentiality when it comes to setting up your new protection plan.

Seek Help from Experts

With so many variables to consider, the best way to make this transition as easy and pain-free as possible is to consult with an expert. Our brokers at Colley Insurance know all the questions to ask -- and all the right answers to give -- to help you make the right decisions.