car stolen from repair garage

dacouch

vax2002 wrote: »

Nobody is stating that you do not provide the information, just how it is done, however a court of Law would enforce the contract if it was in force.

The contract contains many parts with one of the requirements being you have to assist the Insurer and provide the required information. The court are just as likely to enforce this part as it is legally binding unless the court decide it's inclusions makes it an unfair contract which is unlikely.

With regard to the earlier poster who mentioned what happens if you don't know the answer to a question. You simply tell them you don't know the answer. The interviewers are highly trained and know that people will not know every bit of information. They are trained to get to the facts of the incident and ascertain if the customer is telling the truth.

If they think the truth is not being told or something does not add up, further investigation will then be recommended.

bingy_burge

The way Insurance Companies work is you tell what you what to truth or lies, or inaccurcies based on ignorance. They give you a price and policy.

They take you money happliy as you have to comply with contracted terms and conditions.

Then if they have to pay out make sure that your information was spot on and you have crossed every 'T' and doted every 'I' and adheared to all laws and their contract with you.

If you haven't they keep your money and you get nothing.

Thats how you need to look at it.

Whos idea was it to insure it daddies name??

shaun_from_Africa

Whos idea was it to insure it daddies name??

"Daddy" is the legal owner of the car and the son is named as the main driver.
What is so difficult for you to understand about this? It is perfectly legal to do.

The picture below shows that when applying for insurance from many companies having the main driver and the proposer/owner as 2 different individuals is fine.

MILLYMOLLY

His dad and son was put on as main driver

pitkin2020

bingy_burge wrote: »

My understanding from admiral insurance and the artical i linked is that the main driver should be the POLICY HOLDER. Anyone named should be occassional users.

Why does he not have his own car?

When I was 22 I had 2001 Volvo S40 Sport 1.8 insured in my name.

You don't half talk some tripe, what cars you had at 22 its not relevant to this thread what so ever. The OP circumstances as to who the owner and who the main driver is of no concern. The OP has already stated on more than one occasion that the main driver isn't the owner. Which is totally acceptable as long as it is declared to the insurance company, which the OP has said it has so move on trying to argue a point that you are totally wrong on!!

bingy_burge

pitkin2020 wrote: »

You don't half talk some tripe, what cars you had at 22 its not relevant to this thread what so ever. The OP circumstances as to who the owner and who the main driver is of no concern. The OP has already stated on more than one occasion that the main driver isn't the owner. Which is totally acceptable as long as it is declared to the insurance company, which the OP has said it has so move on trying to argue a point that you are totally wrong on!!

I am saying as understand it.

No need to be like that, I am sure you have written something on here that turned out to be false or TRIPE as you say.

I had a conversation with admiral reference doing away with my partners car as she name on my car but she would become the main driver and I would have use of company car. They said despite some price comparison sites asking you who was the main driver in their policy terms and conditions the person driving the vehilce on a daily basis and being the main driver would need to be the policy holder not the named driver.

Confused dot.com ask you loads of questions they also as if you hold IAM Car Test pass but not all insurers accept them. You need to make sure you adhering with the terms or conditions of your policy document.

pitkin2020

Firstly not all insurers are the same some may state main driver and policy holder have to be the same some may not. Secondly it has already been said on a few occasion that the insurers are fully aware who is the owner, who is the policy hold and who is the main driver, its on the insurance certificate.

Finally why he doesn't have his own car is not relevant to the OP questions or any of your business, like I said what you had at 22 isn't relevant either. Your daddie comment was un-needed too and your making a presumtion that "daddy" bought the car for his son is and you keep trying to claim fronting is happening.

I would suggest you go back to page 1 and re-read then maybe try and offer some constructive advice instead of coming to the incorrect conclusion.!!

bingy_burge

:rotfl:

pitkin2020 wrote: »

Firstly not all insurers are the same some may state main driver and policy holder have to be the same some may not. Secondly it has already been said on a few occasion that the insurers are fully aware who is the owner, who is the policy hold and who is the main driver, its on the insurance certificate.

Finally why he doesn't have his own car is not relevant to the OP questions or any of your business, like I said what you had at 22 isn't relevant either. Your daddie comment was un-needed too and your making a presumtion that "daddy" bought the car for his son is and you keep trying to claim fronting is happening.

I would suggest you go back to page 1 and re-read then maybe try and offer some constructive advice instead of coming to the incorrect conclusion.!!

What army base is missing drill instructor?:rotfl: If I wanted to be told what to do I would get married!

I have heard varying comments through the op post from we told them on the phone to we selected it on confused.com to its on the documents.

All these sites are there to get you to buy through them and so ask generic questions.

As insurers info says read through carefully and check that you understand the policy and the information is correct. They have covered their bum.

As long as the op has and its on the insurance policy that he is is the main driver and that the terms of cover say that the main driver is not assumed/or needs to be the policy holder have nothing to worry about.

Insurance can be a minefield and its often not cut and dry.

pitkin2020

bingy_burge wrote: »

Insurance can be a minefield and its often not cut and dry.

Thats the only sensible thing you have said in this thread so far. The Op was asked at the beginning to rule out fronting, which the OP has done.

photome

bingy_burge wrote: »

My understanding from admiral insurance and the artical i linked is that the main driver should be the POLICY HOLDER. Anyone named should be occassional users.

Why does he not have his own car?

When I was 22 I had 2001 Volvo S40 Sport 1.8 insured in my name.

Whats the relevance of either of those 2 ?

Why dont you give it a rest, the Op has explained the situation and is not fronting, so why keep insisting they are?