Insurance policy cancelled following claim. In desperate need of legal advice

peachyprice

yani2k9 wrote: »

I paid for the car with my own funds, but ideally wanted to have it registered under my father's name, so he could be the policy holder as he had quite a few years of NCB which made it considerably cheaper.

In hindsight it was obviously a mistake, but due to the negligence of ourselves and the seller, the wrong keeper was recorder on the logbook. And we had no idea until after the accident because that's when the paperwork arrived (logbook and insurance policy).

Is this what you told the insurance company?

If you you've admitted to them that your intention all along was to commit fraud, it's no wonder they have cancelled your policy and made you liable.

visidigi

yani2k9 wrote: »

I paid for the car with my own funds, but ideally wanted to have it registered under my father's name, so he could be the policy holder as he had quite a few years of NCB which made it considerably cheaper.

You're actually right, who's listed as owner of the vehicle doesn't mater in your case, what does matter is your misdeclared state of affairs on your insurance - that terms and conditions tick box that you ticked when fronting is going to cost you, big time.

Like you say, you did it to get it cheaper, which means you intentionally fronted as its not in line with the cars usage.

This will be especially obvious to the insurance co. if your dad is primary driver on another car and you are the only other declared driver on the Seat.

A great example of a bad financial decision here I am afraid...

dacouch

ging84 wrote: »

You are in deep deep trouble, if this was genuinely not fronting, i feel bad for you, well your father really.
What is likely to happen is, the insurer will pay out to the 3rd parties.
The insurer will possibly pursue the policy holder to recover what they can of these costs.
Bottom line is, the policy holder is you father, if he owns a house or has life savings, in an extreme case these could be at risk.
You need to look for some sources of professional advice, if you really can't get a solicitor, Citizens Advice would be the place to go.
Stop posting about it on the internet, delete this post or edit out the insurance company details, the date and the vehicle details. You've already given them enough details to pin this post to your claim and pretty much admitted to fronting

The father will also have the voided policy which he will need to declare (Currently) forever which will make it very difficult (Expensive) to obtain any type of Insurance including motor, home and life insurance. He needs to declare it to his current Insurers as well.

neilmcl

arcon5 wrote: »

This is well and truly going to come back and bit you and your dad in the ar5e!

You and him now need to declare you've had a policy cancelled on all future policies - this will add significantly to the cost of insurance!!!

If the policy is in his Dad's name why would the OP have to declare anything in future. It's unfortunate but the OP has dropped his Dad well and truly in it and if it is indeed a matter of fronting it'll be the policy holder, not the OP, that will inevitably be liable.

dacouch

arcon5 wrote: »

This is well and truly going to come back and bit you and your dad in the ar5e!

You and him now need to declare you've had a policy cancelled on all future policies - this will add significantly to the cost of insurance!!!

Ironically it's only the father who will have a voided policy to declare, the OP is merely an additional driver. It's the father who made the false declarations to the Insurers.

arcon5

Fair enough.

Op, whatever your father ends up paying extra in his premium, morally you should foot a portion of this. I've read of people who have seen increases of about £1k.

tinkerbell28

Looks like fronting to me. Doesn't matter who is on the V5. If you put your Dad as the main driver and it was you, it's still fronting.

bris

It's fronting plain and simple, the Father is the main policyholder for a siblings car who is an additional driver.

There are warnings about fronting, every new driver should know about it, everyone knows it's a reason to void insurance.



Your whole post screams fronting, you bought the car, drive the car but your just an additional driver, this was never going to end well.

Mark_Hewitt

As I understand the situation. They can cancel the policy and mean they will not pay out to you for the car. However, they cannot absolve themselves of their third party liabilities because you make a false declaration on taking out the policy.

peachyprice

I would have thought that both OP, as the perpetrator of the fraud, and his father for compliance with the fraud, will both get CIFAS markers on their credit files too.

Oh dear.