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Ex using old home address for motor insurance

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  • CKhalvashi
    CKhalvashi Posts: 12,134 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    bouncydog1 wrote: »
    Personally I would start to move things forward and keep my self respect. He doesn't want to live with you but wants to keep benefits of your address

    I'm keeping benefits of OH's address, on a property that we jointly own, as I'm out the UK more than in at the moment.

    He's paying half the mortgage, I don't think it's unreasonable.

    CK
    💙💛 💔
  • dalesrider
    dalesrider Posts: 3,447 Forumite
    FizzledOut wrote: »
    Fraud?
    Or pathetic spiteful mare? - (careful, I'm a woman with a headache) ...


    Fraud?
    Border line ....

    Send any ins letters back to the co's with a covering letter, stating that car/bike are no longer at this address. Give them his new address.
    Let them then sort the issue out.

    If they cancel the policies then that is his problem.

    Spitefull mare :rotfl: Go for it gal (btw I'm male).... he deserves all he gets :eek:
    Never ASSUME anything its makes a
    >>> A55 of U & ME <<<
  • Ta for all replies so far - I've had yet more from the same company this morning (not recorded delivery) - this is the motorcycle insurer. I'm not going to be complicit in what I believe to be insurance fraud. If he stops paying into the mortgage and the joint bank loans he will lose out long term, financially and emotionally (remember, 23yo son in residence who will be aware of his Pa's actions).

    One of the replies is from someone who knows me on a personal level and who is clearly of the same mindset as I am (thanks R) and I've always found her advice sound. My ex doesn't see his actions as fraudulent - that's the basis of my query. You tell the insurer that the vehicle is kept garaged at an address and it isn't. That's got to be fraud, surely!
  • !!!!!! wrote: »
    Well he could always move back into the house as he is still part owner and paying (part of?) the mortgage. That would sort his insurance out.

    I did give him this option two months ago - our kid is travelling and with his room free I suggested ex move back, do some necessary work on the house pre-sale and/or see if we can reconcile or split on amicable terms AND he would have the benefit of having his vehicles here. He reply was a flat no. His decision.
  • dacouch
    dacouch Posts: 21,636 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Bear in mind that if you're receiving any benefits that are based on you being single. That HMRC, local councils and the benefits agency perform credit checks etc etc and can often see that your ex is receiving mail eg driving licence, perhaps insurance or has his bank account registered at your address.

    When they discover this they can call you in for an interview to check you're not a couple. It would be worth bearing this in mind and retaining some evidence eg keep copies of any letters you send to him at his actual address so you have some proof. It may well be his new partner is claiming as a single person (Hence his reluctance to change addresses over) which would make having evidence very prudent.
  • I don't claim benefits, full time working. And she dumped ex when she realised he was serious and all she wanted was giggles.

    I've already informed the bank of the separation, and the council. It's really just the insurance documents being sent here (and also the tax discs for the vehicles too). I don't like being used.
  • BobQ
    BobQ Posts: 11,181 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper Combo Breaker
    edited 1 January 2013 at 8:40PM
    Not vindictive in my view.

    I think the other matter that should concern him is he is responsible for telling the DVLA of the change of address. Obviously defrauding the insurer is a serious matter too.

    By law you must inform DVLA in writing immediately about any change to your

    name or address. If you do not tell us, you may have to pay a fine of up to £1,000.

    If you deliberately give us false information, you may have to pay a fine of up to

    £5,000 and go to prison for up to 2 years.

    These words are from the V5C Log Book




    Few people are capable of expressing with equanimity opinions which differ from the prejudices of their social environment. Most people are incapable of forming such opinions.
  • olly300
    olly300 Posts: 14,738 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    FizzledOut wrote: »
    I've already informed the bank of the separation, and the council. It's really just the insurance documents being sent here (and also the tax discs for the vehicles too). I don't like being used.

    Just put "Return to Sender. No longer at this address" on the envelope and pop them back in the post without opening them.

    If the companies then take upon themselves to phone you up, and some do, then tell them what his address is and phone numbers.

    If he asks you why apologise and tell him you thought it was mail he doesn't want as he doesn't live at the address any more and you think it's odd that he is sending mail to this address if it was wanted. Just don't get into an argument about it.
    I'm not cynical I'm realistic :p

    (If a link I give opens pop ups I won't know I don't use windows)
  • BobQ wrote: »
    Not vindictive in my view.

    I think the other matter that should concern him is he is responsible for telling the DVLA of the change of address. Obviously defrauding the insurer is a serious matter too.

    By law you must inform DVLA in writing immediately about any change to your

    name or address. If you do not tell us, you may have to pay a fine of up to £1,000.

    If you deliberately give us false information, you may have to pay a fine of up to

    £5,000 and go to prison for up to 2 years.

    These words are from the V5C Log Book





    Thank You!
  • magpiecottage
    magpiecottage Posts: 9,241 Forumite
    1,000 Posts Combo Breaker
    FizzledOut wrote: »
    I've already informed the bank of the separation, and the council.
    If you are currently the only adult living in the house you should be entitled to a council tax discount.
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