Proof of address car insurance help!!

Zen12345

Hello guys, I hope you can help.

My insurance have rang me up asking for my proof of address as to where
My car was kept overnight.

I have the vo5 document to prove this however they need to see a utility bill or a bank statement at this address ( bank statement needs to show from the address at the time the card was registered to at the time of taking the insurance out.


My insurance rang me and said when I was taking out the insurance policy, when entering my card details I put in an address first ( which was my mothers address ) and it failed. Then I entered my details at my brothers address ( the place I stay at overnight along with the car)
And it worked )

They're basically trying to say I changed the address to get a lower premium rate and I need a bank statement confirming my address was at the actual place the car was I contacted my bank about this who said that as my correspondence address is at my mothers the statements are sent there however my main address will be different (showing my brothers)

My licence is also registered to my mothers and so is all my other bills as moving out was meant to be on a temporary basis with my brother.

Also his name is on the tenancy and on all the bills therefore I am unable to provide a utility bill, tenancy agreement or council tax letters. My brother and his girlfriend are expecting there first child, therefore he has just moved out this past week but has the keys for another 2 weeks.

I am moving back to my mothers now until I can find my own place.

I don't know how I can prove to them the car was there. ( believe
Me it was)

Would getting proof and writing from my brother with a signature provide any help with my insurance?

Otherwise I don't really have much I can provide to them which is annoying as I don't want my insurance to be voided over something like this. There must be another way I can prove this.

Thank you guys, please help!

dacouch

Do you have any correspondence eg your wage slips etc sent to your brother's address?

Zen12345

My wage slips are only available via my work online portal which is addressed to the company's address so it's all online.

It doesn't show my address however this would also be at my mothers.

However I have no other correspondence which is sent to my brothers address. I never knew would be such a big problem.

My car was recently written off and I have been paid for this. Can they demand the payment back from me? The claim is yet to be fully settled.

dacouch

Which address is your licence at?

You mention your bank have your address as your brother's but your correspondence address as your mother's. Is your brother's address the address on your credit file?

Which address are you on the electoral role at?

Do you know what has prompted your Insurer to suddenly review your quote?

Zen12345

my credit file address, licence and electoral roll would be listed at my mothers address aswell.

The reason being is I never intended this to be an address I would be staying at longer than a month or two however I've now been here for quite a while. However I do stay at my mothers sometimes as she is very ill and visit everyday as its close to my work address than my home address.

I'm unsure as to why they did the checks on me, however they mentioned when I first laid the deposit for my insurance I first attempted to input my mothers address at the billing address and that didn't allow me to take insurance out, however when I changed it to my brothers my actual place of stay it went through. On my part that was but a simple mistake but in no way was that intended or done fraudulently.

Also I've also been in a crash and the other car hit me and wrote my car off. Therefore they paid me out but they still need to confirm full liability details therefore it's still on going.

Quentin

If as a result of their investigation they decide they can void your policy from its inception then they can pursue you to refund the payment you received

Though hopefully the liable third party had insurance and they have paid your insurer their outlay.

Have you got your excess reimbursed?

Zen12345

They haven't reimbursed my excess as of yet however the third party insurance has claimed full liability for the accident. I've only actually just been told that by the solicitors who are dealing with the injuries

rs65

Zen12345 wrote: »

They're basically trying to say I changed the address to get a lower premium rate

They will know what quotes you got.

rs65

Zen12345 wrote: »

my credit file address, licence and electoral roll would be listed at my mothers address aswell.

The reason being is I never intended this to be an address I would be staying at longer than a month or two however I've now been here for quite a while.

So you changed address on your V5C but not on anything else?

Zen12345

rs65 wrote: »

So you changed address on your V5C but not on anything else?

That's correct due to the change not being permanent, there was no need for me as I have all my correspondence at my mothers house.

It's okay if they can see my quotes because I simply put in my correspondence address and changed that while applying. However they may think different.

rs65

Zen12345 wrote: »

That's correct due to the change not being permanent, there was no need for me as I have all my correspondence at my mothers house.

So why did you change your V5C?