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Reporting fraudulent insurance?

This story gets a bit personal so there are emotions involved.

8 months ago a friend of mine bought a car, he insured the car, then informed me that he had insured it at my boyfriend's mother's address (70 miles away from the car's actual home) with myself as a named driver.

We have since fallen out, with this as one of the factors in our falling out. Obviously I, my boyfriend and his mother are not happy about this situation as should he fail to make payments it will be registered to her address, he is currently under fraudulent cover, has 6 undeclared points on his license and has declared none of the modifications on his car.

Is there any authority I could report him to, or any way to find out which company he is insured with, as as a named driver surely I would be able to talk to them about the policy?
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Comments

  • InsideInsurance
    InsideInsurance Posts: 22,460 Forumite
    10,000 Posts Combo Breaker
    ookaphouka wrote: »
    Is there any authority I could report him to, or any way to find out which company he is insured with, as as a named driver surely I would be able to talk to them about the policy?

    MID would tell you but you'd have to lie about why you want the details to get them (not that its ever checked).

    Given you are in league with his mother and the policy is registered at her address and you know what has/hasnt been declared so obv have seen paperwork why dont either of you know who the insurer/ broker is anyway?

    It is unlikely that a ND can discuss anything about the policy other than errors in their own personal details
  • hpuse
    hpuse Posts: 1,163 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    ookaphouka wrote: »
    This story gets a bit personal so there are emotions involved.

    8 months ago a friend of mine bought a car, he insured the car, then informed me that he had insured it at my boyfriend's mother's address (70 miles away from the car's actual home) with myself as a named driver.

    We have since fallen out, with this as one of the factors in our falling out. Obviously I, my boyfriend and his mother are not happy about this situation as should he fail to make payments it will be registered to her address, he is currently under fraudulent cover, has 6 undeclared points on his license and has declared none of the modifications on his car.

    Is there any authority I could report him to, or any way to find out which company he is insured with, as as a named driver surely I would be able to talk to them about the policy?

    Is the policy still valid/ON?
    I wonder how your friend managed to secure a policy at your boyfriend's mothers address. Was the policy in his name or your b/f' mother name ?.
    I was under the impression that they always run a search address check on electoral roll and cross match before issuing a policy?
  • InsideInsurance
    InsideInsurance Posts: 22,460 Forumite
    10,000 Posts Combo Breaker
    hpuse wrote: »
    I was under the impression that they always run a search address check on electoral roll and cross match before issuing a policy?

    Some do, some dont, some only do it for monthly installments, some do it for all but adjust the premium on the response rather than flat decline
  • hpuse
    hpuse Posts: 1,163 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Some do, some dont, some only do it for monthly installments, some do it for all but adjust the premium on the response rather than flat decline

    You are right. Some companies allow people to buy and pay in full even if you are not in electoral roll.

    They will then go through a manually validating phase and cancel the policy within 14/21 days if the policy holder does not respond to additional documentation queries.
  • What about the polis
  • Mojisola
    Mojisola Posts: 35,571 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    As the address that's being used fraudulently is your BF's mother's address, couldn't she write to the insurance company and tell them that the car is not kept there and that the person insuring the car doesn't live there.
  • Sorry, this might be my criminal mind, but what is wrong with asking your boyfriend to cancel the policy and re-insuring elsewhere at another address.

    Where you live, perhaps?
    “Washing one's hands of the conflict between the powerful and the powerless means to side with the powerful, not to be neutral. ”
    ― Paulo Freire, Pedagogy of the Oppressed
  • Mojisola wrote: »
    As the address that's being used fraudulently is your BF's mother's address, couldn't she write to the insurance company and tell them that the car is not kept there and that the person insuring the car doesn't live there.

    We don't know which company, this is where we're stuck!
    hpuse wrote: »
    Is the policy still valid/ON?
    I wonder how your friend managed to secure a policy at your boyfriend's mothers address. Was the policy in his name or your b/f' mother name ?.
    I was under the impression that they always run a search address check on electoral roll and cross match before issuing a policy?

    As far as I'm aware he paid in full online. Policy name was under his name. He had always paid yearly for insurance before so I assume it is still valid/ON.
    MID would tell you but you'd have to lie about why you want the details to get them (not that its ever checked).

    Given you are in league with his mother and the policy is registered at her address and you know what has/hasnt been declared so obv have seen paperwork why dont either of you know who the insurer/ broker is anyway?

    It is unlikely that a ND can discuss anything about the policy other than errors in their own personal details

    I don't think paperwork was sent as it was an 'online' policy from what I can tell - she's also very disorganised with her post, so anything that had come through without her name on it would have been immediately thrown away.

    Sorry, this might be my criminal mind, but what is wrong with asking your boyfriend to cancel the policy and re-insuring elsewhere at another address.

    Where you live, perhaps?

    Its not my boyfriend's policy.
  • Mojisola
    Mojisola Posts: 35,571 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    ookaphouka wrote: »
    8 months ago a friend of mine bought a car, he insured the car, then informed me that he had insured it at my boyfriend's mother's address (70 miles away from the car's actual home) with myself as a named driver.
    ookaphouka wrote: »
    We don't know which company, this is where we're stuck!

    I thought, with you being a named driver, that you would have at least seen the paperwork.

    Have you done a MID check - http://ownvehicle.askmid.com/ As a named driver, you can legally do it.
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