Reporting fraudulent insurance?

ookaphouka

Oh I do wish this forum had a multi quote option!

Prothet_of_Doom wrote: »

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.

WEBSITE

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

I've driven it once, in a private car-park on the day he purchased it before we fell out. At the time the car has NO MOT TAX OR INSURANCE and I was unaware, I did not leave the car park thankfully - I feel strongly about his 6 points and the address, which I was not aware of until after he'd insured the car. I've reported him through this site.

Mojisola wrote: »

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

Have you done a MID check - WEBSITE As a named driver, you can legally do it.

He added me without my permission - I'll do an MID check!

hpuse wrote: »

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.

I no longer speak to him, otherwise I would have asked him to remove me and change the address long ago. He refuses all forms of contact.

InsideInsurance wrote: »

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

I'm not sure why you'd suspect it to be a wind up - seems like a ridiculous thing to do to wind up a forum?
I suspect that he hasn't declared his points because he had previously told me that he wouldn't. He insured the car (A modified Mazda MX5 at age 21 for £250, this price simply wouldn't have been so low if he hadn't insured at boyfriend's mother's address, added me a female as named driver or kept his modifications secret) - He told me (while we were still friends JUST after he had insured it) that he had put me as a named driver to get his premium down further, at that point he also told me that he had insured it at my boyfriend's mother's address. He then asked me to drive it to the MOT station for him while he was at work. I did not because I knew his insurance was void.

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.

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.

This is exactly what has happened. He most likely used a comparison website as before (while friends) we had played around getting quotes for all sorts of crazy vehicles.

Spikey1

Just a thought.


Does your boyfriend's mother not receive marketing material from an Insurer addressed to your former friend but sent to her address? Most insurers plague their existing customers with junk mail offering quotes on other types of insurance.


I'd be surprised if they were not doing that.....maybe your boyfriends mother can determine the Insurer by opening the next one that arrives ?