more than

anniebb

hello i am at the end of my tether with more than insurance comp
my lovely son decided (fully comp named driver) to hit a kerb and damaged my car two weeks ago it has done damage to the wheels the air bag went off and there are problems underneath
rang said insurance comp and they said i was under investigation have asked numerous ? about how often does he drive how many cars on drive and so on why does he not drive his own car (his car was a right off middle april) not AT FAULT AND WAS IN THE GARAGE WHEN I PUT HIM ON INSURANCE asked if was insured else where yes he has one years no claims since that so i think they are trying to get out of policy when asked why drives my car because he takes his brother (disabled) out and about and would rather he be in my car safe and sound than his :mad: still waiting for outcome no car and stress a plenty help

dogbot

Ok, that is a little hard to follow. Essentialy the insurer is concerned that you may be fronting a policy for your Son.

Fronting is the catch-all name for a specific type of Insurance Fraud. It is illegal. It occurs when on individual, who presents a lower insurance risks, is presented to an insurer as the main driver or/and owner of a vehicle, when infact another, higher risk person is actualy the main driver and/or owner of the vehicle. This is most common with parents and children for obvious reasons.

They are trying to establish, with the questions they appear to be asking, whether or not you really are the main driver of the vehicle. From what I THINK you are saying (your post is rather garbled, please use full stops!) it appears you are.

It appears that your son's own vehicle is awaiting repair or has been written off, or is otherwise undrivable following an incident earlier this year. As a consequence you have added him as a named driver to your insurance to facilitate his transport and to allow him to provide transport to your disabled brother.

So long as you continue to be using the vehicle for the majority of the time it is driven then you are still the main driver. If he is using it all or the majority of the time then he is the main driver and you have deceived the insurers.


Now, assuming that he IS the main driver (not saying that he is - you need to clarify who is):
If he is the main driver then if they can show you intentionaly mis-led them (which it does not appear that you have done) then they could void the policy in its entirity and keep the premium. However, if he is the main driver, but you did not intentionaly mid-inform the insurer then they will look for the increased premium that would have been due had they been correctly informed and should then still pay the claim.


The thing to do is remain calm. The insurer is being perfectly reasonable in their action; there are lots of people out there deliberatly trying to defraud them by not paying the correct premium for the risk they present. This just pushes the price up for the rest of us.

First - is he or is he not the main driver of the vehicle
Second - if he is not, then you should be fine - just answere their questions politely, accuratly and calmly. If he is the main driver, ask them if this is what they are trying to determin, and if it is, appologise, explain that at the time he was added to the policy he was not but because of the write off of his own car has become the main driver. Advise that clearly you have made a mistake and would like to pay any premium that should have been due from when he became the main driver.