Reporting fraudulent insurance?

hpuse

I still think it is a bit complicated situation to understand.

Firstly,
Providing an incorrect address is a solid reason to invalidate the policy and deny insurance. This is probably the first thing the IFB will take into account for treating it as a potential fraud.

If the policy is still ON, the best and simple advise is to speak to your friend and ask him to:

a) to change the address from your b/f mother' address.
b) remove your name from the named drivers list so you no longer drive/associated with that car

If you could do a) and b) then your hands are now clean, but you may still have to face some investigation questionnaire in future since you were a named driver. If nothing works, then you may call IFB and report the case by disclosing all events including your details.

Aretnap

Mojisola wrote: »

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

Paperwork would generally be sent only to the policyholder. You don't generally have to provide contact details for named drivers when you take out a policy, so the insurer couldn't send them paperwork even if it wanted to.

Mojisola

Aretnap wrote: »

Paperwork would generally be sent only to the policyholder.

You don't generally have to provide contact details for named drivers when you take out a policy, so the insurer couldn't send them paperwork even if it wanted to.

I know that, but the people I have as named drivers on my insurance know which insurance company I use - I have given them details of the policy in case they have an accident while they are using the car.

I've always had to provide the names and addresses as well as other details about their driving history for all named drivers.

hpuse

Aretnap wrote: »

Paperwork would generally be sent only to the policyholder. You don't generally have to provide contact details for named drivers when you take out a policy, so the insurer couldn't send them paperwork even if it wanted to.

Paper work will only go to policy holders correspondence address.
Most companies I know will ask an additional question re: named driver's residence to match with policyholder/main driver's.

spacey2012

They are forbidden by data protection laws to discuss anyone's contractual arrangements with you.

InsideInsurance

ookaphouka wrote: »

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.

If no paperwork has been received/ you've not had sight of anything, how do you know they haven't declared points/ modifications etc or that you've been put as a ND?

Whilst I suspect the thread is a wind up at the end of the day you have nothing to substantiate any of the allegations other than comments from the person themselves and of cause they could just be winding you up

Aretnap

Mojisola wrote: »

I know that, but the people I have as named drivers on my insurance know which insurance company I use - I have given them details of the policy in case they have an accident while they are using the car.

Indeed - but the named drivers only saw the details because you showed them to them. The OP's acquaintance seems to have added her as a named driver on a car she never drives without her knowledge in order to get a cheaper quote, so I wouldn't really expect him to have shown her the paperwork.

I've always had to provide the names and addresses as well as other details about their driving history for all named drivers.

Hmmm... I don't remember that being my own experience and having just checked one comparison website (GoCompare) there was no question about the named driver's address, even when I put them down as no relation, so it's certainly not a universal requirement.

Mojisola

Aretnap wrote: »

Indeed - but the named drivers only saw the details because you showed them to them. The OP's acquaintance seems to have added her as a named driver on a car she never drives without her knowledge in order to get a cheaper quote, so I wouldn't really expect him to have shown her the paperwork.

In that case she should have asked for the info when she knew her name was being used.

Hmmm... I don't remember that being my own experience and having just checked one comparison website (GoCompare) there was no question about the named driver's address, even when I put them down as no relation, so it's certainly not a universal requirement.

How can an insurance company give a quote if they don't have basic information about all the people who will drive the vehicle? The "named drivers" could be made-up people or people with loads of convictions.

Spikey1

Either


a) Go to the police
Tell them that your former friend is driving with an insurance document which would be invalid in the event of an accident and that the insurance was acquired fraudulently. The police may (or may not) be interested. If they ARE interested they will be able to demand sight of the insurance documentation and should be able to inform either you or the Insurer so that appropriate action/measures can be taken.


or


b) Contact DVLA....you can't tax or drive a vehicle on the road without valid insurance. Again, they may (or may not) be interested.....if they have provided a tax disc then they have also been subject to the fraud too.


or

c) a renewal notice should arrive in a few months time....then the 'power' to contact the Insurer will be in your hands.

InsideInsurance

Mojisola wrote: »

How can an insurance company give a quote if they don't have basic information about all the people who will drive the vehicle? The "named drivers" could be made-up people or people with loads of convictions.

Because insurance is based on utmost good faith - plus some brokers/ insurers will do random sampling of asking for documents etc or even ask for all customers to provide documents.