Car insurance claim HELP!?

[simon]

The owner / registered keeper is the one who's name is on the V5 document regardless

Quentin

Chanteleee wrote: »

Right ok but he basic,lay was the owner he paid for insurance mots petrol everything does that not make any difference?

Not to the issue.

Have they refused to accept a claim?

If so ask for this in writing, and whilst awaiting this check what the policy docs say about owner and keeper.

notanewuser

Chanteleee wrote: »

Right ok but he basic,lay was the owner he paid for insurance mots petrol everything does that not make any difference?

No it doesn't! He's not the owner (the finance company is). Lots of insurers don't insure cars where the policy holder is not the legal owner precisely because of this scenario. They legally have to pay the owner, any excess will pass to the person named on the V5 who does not have to give any money to your OH if he doesn't want to.

notanewuser

[simon] wrote: »

The owner / registered keeper is the one who's name is on the V5 document regardless

Wrong. The V5 says nothing about ownership.

Quentin

notanewuser wrote: »

No it doesn't! He's not the owner (the finance company is). Lots of insurers don't insure cars where the policy holder is not the legal owner precisely because of this scenario. They legally have to pay the owner, any excess will pass to the person named on the V5 who does not have to give any money to your OH if he doesn't want to.

Let's hope that they do!

From the op it seems the original proposal was incorrectly filled out.

notanewuser

Odds are there won't be any money left over. The OP's OH may end up owing money (to his brother) for a car he no longer has. Ouch.

[simon]

When i got a car on fincance i was asked to take out gap insurance so that i would not be left owing money out if anything happened to the car.

zeon999

Oh dear yeah sounds like a void policy to me, if your not the registered keeper and you said you were then that in itself is enough to void the policy.

Let alone the fact the finance is in someone else's name and meaning your boyfriend has no insurable interest and as such no insurance company would have covered him if they had been told the truth when the policy was setup.

Does not sound good at all sorry.

rs65

zeon999 wrote: »

Let alone the fact the finance is in someone else's name and meaning your boyfriend has no insurable interest and as such no insurance company would have covered him if they had been told the truth when the policy was setup.

Not entirely true. Insurable interest can exist in other than ownership.

If the OP's boyfriend can prove he was repaying his brother every month, then he may be able to justify that it's his car.

He still has the disclosure issue to deal with.