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LouLee2008
Posts: 306 Forumite
in Motoring
Hi, I was wondering if anyone was able to help or give any advice,
I took out a car insurance policy 14 months ago with Auto direct, I have no problem until now,
I received a final demand for £71.00 , i have had no other demands, I phoned them up and they informed me it was due to me apparently giving incorrect information.
I brought the car in 2002, and my mum was the registered keeper as i was young and couldn't afford the insurance, I was a named driver,
Once i turned 25 in 2005 I transferred the log book into my name.
In 2006 i transferred it into my ex partners name and then back into my name.
I have remained the owner of the vehicle since 2002, The car insurance company are saying that the registered keeper is the owner which i don't believe to be true, (i am in the motor trade) They state that according to dvla recorders the last registered keeper change was 2007, which i don't dispute,and they are saying that 2007 is the date i should of put as my purchase date, so due to this they say i have incurred a charge.
They have added this onto my monthly direct debits as if i didn't pay they would of cancelled my insurance and charged me £75 for cancellation and admin fee. I didn't want the hassle of finding new insurance.
I have also informed them that i recently went bankrupt, Im not sure if that relevant.
It has taken them 14 months to see a problem.
Can they do this?
Many Thanks for any help or advice
Louise
I took out a car insurance policy 14 months ago with Auto direct, I have no problem until now,
I received a final demand for £71.00 , i have had no other demands, I phoned them up and they informed me it was due to me apparently giving incorrect information.
I brought the car in 2002, and my mum was the registered keeper as i was young and couldn't afford the insurance, I was a named driver,
Once i turned 25 in 2005 I transferred the log book into my name.
In 2006 i transferred it into my ex partners name and then back into my name.
I have remained the owner of the vehicle since 2002, The car insurance company are saying that the registered keeper is the owner which i don't believe to be true, (i am in the motor trade) They state that according to dvla recorders the last registered keeper change was 2007, which i don't dispute,and they are saying that 2007 is the date i should of put as my purchase date, so due to this they say i have incurred a charge.
They have added this onto my monthly direct debits as if i didn't pay they would of cancelled my insurance and charged me £75 for cancellation and admin fee. I didn't want the hassle of finding new insurance.
I have also informed them that i recently went bankrupt, Im not sure if that relevant.
It has taken them 14 months to see a problem.
Can they do this?
Many Thanks for any help or advice
Louise
0
Comments
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Looks like you commited insurance fraud for years and got away with that and they have got you on a minor matter now.
I find that funny.
They would have asked are you the registered keeper and owner when you took out the policy.
Send them a copy of the front page of the V5. Have a read you cant miss it
Censorship Reigns Supreme in Troll City...0 -
He was the owner and registered keeper when he took out the policy tho.0
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What insurance fraud have i actually commited then?0
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LouLee2008 wrote: »What insurance fraud have i actually commited then?
It is called fronting and is illegal.LouLee2008 wrote: »I brought the car in 2002, and my mum was the registered keeper as i was young and couldn't afford the insurance, I was a named driver,0
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