Car insurance wants £26,260.00.

iEKOS

Hi guys, I'm new here and hope you guys can guide me please

I was involved in a car accident (October 2012) (my fault)
My insurance company paid out £26,260.00 to the other party.

The policy is on my fathers name and I'm a named driver. The vehicle belongs to my father that I bought for him (my father is retired) and he helps me do the school rounds for my kids..

When I purchased the car, I must have registered it under my name (V5). My sister helped shop around and purchased the insurance. On the application, she must have stated that the V5 has my fathers details (I think its called 'registered owner and keeper or something on the application form).

After conversations with Eldon Insurance Services LTD after the accident (about 2 months after), a patronizing arrogant women on the phone kept quizzing me, asking me who's car it is.. I kept telling her its my fathers and then asked about how I get to work etc (I work round the corner from where I live).

I now have a letter from Eldon Insurance wanting £26,260.00 as the insure has been void due to the car being under my name and not the policy holders name. They want to take both me and my father to court and they want paying by the 25th of September 2013 (next Wednesday).

I am in deep fear and I want to cry, I don't know what to do.

ILW

Sell your house?

Quentin

If the facts are as you state them (your insurance application was incorrect), then they do have grounds to come to you to repay the money they had to pay out to the third party.

But in view of the sum involved get some legal advice.

kingstreet

Legally, there are three definitions;-

- the owner

- the registered keeper

- the person keeping the vehicle.

If a vehicle is leased, the owner may be a finance company, the registered keeper a leasing company and the person keeping the vehicle (the one with the keys) is the person who uses it.

If you insure a leased vehicle, the registered keeper is not the policyholder, the keeper is.

In your case, your father is the owner and you are the registered keeper. I suspect the insurer believes you are "fronting" by taking the cover in his name for a vehicle used mostly by you.

I suggest you obtain urgent legal advice in how best to defend this. You can make a start here;-

http://forums.pepipoo.com/index.php?showforum=5

Althoutgh this is technically not a criminal offence, the legal bods over there may be able to give you some initial pointers and there are a few motoring solicitors who will be a better choice for such cases.

InsideInsurance

Where did you actually buy the policy from as I see the website for the company mentioned doesnt allow you to get quotes?

One step is to firstly try and find out the premium difference, if any, for them if you have a policy with the registered keeper in the name of the policyholder and if the registered keeper is the name of the of the policyholders child.

As above though, I suspect they are more concerned with fronting than they are with a miss declaration of who the registered keeper is. How old are you?

iEKOS

InsideInsurance wrote: »

Where did you actually buy the policy from as I see the website for the company mentioned doesnt allow you to get quotes?

One step is to firstly try and find out the premium difference, if any, for them if you have a policy with the registered keeper in the name of the policyholder and if the registered keeper is the name of the of the policyholders child.

As above though, I suspect they are more concerned with fronting than they are with a miss declaration of who the registered keeper is. How old are you?

I'm 36.
They want to apply to the courts on the 25th (5 days). How do I buy time to investigate further.

I spoke to a local solicitor who wants £500 even before he will do anything?

InsideInsurance

iEKOS wrote: »

I'm 36.
They want to apply to the courts on the 25th (5 days). How do I buy time to investigate further.

Courts take a long time so dont worry too much about the timescales.

Given they are no an insurers I am so curious why they are pursuing rather than the insurer. You didnt say where you bought it.

my_names_dave

iEKOS wrote: »

The policy is on my fathers name and I'm a named driver. The vehicle belongs to my father that I bought for him (my father is retired) and he helps me do the school rounds for my kids..

Can I ask how old you are, and what your job is?

iEKOS

InsideInsurance wrote: »

Courts take a long time so dont worry too much about the timescales.

Given they are no an insurers I am so curious why they are pursuing rather than the insurer. You didnt say where you bought it.

I think my sister got it on confused.com

iEKOS

my_names_dave wrote: »

Can I ask how old you are, and what your job is?

I'm 36 and I have a computer shop 5 minutes from my home.

HappyMJ

iEKOS wrote: »

I'm 36.
They want to apply to the courts on the 25th (5 days). How do I buy time to investigate further.

I spoke to a local solicitor who wants £500 even before he will do anything?

To buy time just wait. You will eventually get a notice from the county court. Acknowledge the claim on the 14th day...that gives you another 14 days...then respond to the claim either accepting the amount owed or not. That's now 28 days. Then the claimant will need to allocate the case to a track. It'll be a big case so it'll take several months to actually get to a physical court. You don't need a solicitor it's a civil court.