Reporting fraudulent insurance?

hpuse

Spikey1 wrote: »

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.

Reporting to police is probably not a good idea in my opinion because he is not planning or attempting to do any crime. He is still insured to drive in police books though it appears like he has lied and obtained an insurance policy using false means.

The 'lies' will surface up as matter to investigate for Police only if he meets with an incident/accident involving his car.

IFB is probably the best bet...

InsideInsurance

hpuse wrote: »

Reporting to police is probably not a good idea in my opinion because he is not planning or attempting to do any crime. He is still insured to drive in police books though it appears like he has lied and obtained an insurance policy using false means.

Think you have just described fraud perfectly which last time I checked was a crime.

Of cause if the police would be interested or not is a totally different matter

Mojisola

hpuse wrote: »

Reporting to police is probably not a good idea in my opinion because he is not planning or attempting to do any crime.

By lying about the address that the car is kept at, he has already committed fraud.

hpuse

InsideInsurance wrote: »

Think you have just described fraud perfectly which last time I checked was a crime.

Of cause if the police would be interested or not is a totally different matter

I may be wrong - but driving with a false insurance is indeed fraud, but becomes a crime in police records only when an accident happens. Even if you report this matter to police, I am not sure whether the police will get involved straight away. There are 1000s of uninsured and falsily insured motorist on our roads and it is simply not possible for the police to handle all those fraud. They will simply be passing this information to authorities like IFB.... That is my guess, hence I suggested report it to IFB.

CKhalvashi

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.

Or, as is the case with our fleet insurance, it could be named drivers (me, other director, my OH, his OH, fleet manager) plus anyone employed by us over 25, on vehicles covered by the policy.

I don't think I've seen this on personal car insurance, but I do know it exists.

CK

InsideInsurance

CKhalvashi wrote: »

Or, as is the case with our fleet insurance, it could be named drivers (me, other director, my OH, his OH, fleet manager) plus anyone employed by us over 25, on vehicles covered by the policy.

I don't think I've seen this on personal car insurance, but I do know it exists.

CK

You are talking about Any Driver insurance, it used to be relatively common in Personal Lines insurance too but is exceptionally rare these days and almost only the preserve of HNW insurance

InsideInsurance

hpuse wrote: »

I may be wrong - but driving with a false insurance is indeed fraud, but becomes a crime in police records only when an accident happens.

You are wrong, they only possibly become interested at the point of accident or in the event of some other criminality. It is a crime since the moment they hit the buy button but just the police allow insurers to deal with this whilst they concentrate on more important crimes

CKhalvashi

InsideInsurance wrote: »

You are talking about Any Driver insurance, it used to be relatively common in Personal Lines insurance too but is exceptionally rare these days and almost only the preserve of HNW insurance

Thanks, that's why I haven't seen it on 'regular' quotes.

hpuse

Police PNC database will also link information from MID and shows whether a car is insured and its drivers.

Unless they stop the driver - there is no other ways of making sure the driver who drives the car is insured. Even if they stop - it is not required by law to carry your license and insurance with you all the time. This is wastage of time to stop if there are 10 insured drivers and 1 fraud driver.

So same way, even if you report - the police will be reluctant to stop the car since it could be insured to 'many' other drivers.
In my view, that is why it gets complicated from a law enforcement perspective to tackle fraud before crime happens. Just thoughts.

Prothet_of_Doom

I wouldn't worry about being a named driver. You don't intend to drive it, and have not failed to declare anything about your driving record to anyone.

If you feel strongly about the incorrect address, and the main drivers 6 points, then I'd suggest.

https://www.insurancefraudbureau.org/report/

Personally I'd be more concerned about the undeclared points, and see the incorrect address as less important.