Insurance fraud?

Mistral001

What appears to have happened is that the family member filled in the claim form and signed it in your name. The insurance company will take this very seriously and will be contacting the Police on the matter and are unlikely to pay out on the claim as well.

I would inform the family member that the garage has rang you. They were not counting on that happening. They will probably want you to go along with their cunning plan so you need to decide now what you are going to do in that respect.

I would inform your own insurance company immediately so as to look after your own interests.

Car_54

Mistral001 wrote: »

What appears to have happened is that the family member filled in the claim form and signed it in your name.

Not so. It is the policy holder who has to make the claim, not the driver.


Also, it's many years since I had to fill in a claim form. Its usually done on the phone these days.

MEM62

mrecuk wrote: »

The family member who made the claim is the policy holder on the insurance and I am a named driver. As the policy holder cannot drive due to being disabled, they have said that I was driving the vehicle at the time (I can only assume that someone who wasn't supposed to be driving, was driving at the time).

In regards to the insurer, this is exactly what I thought. I explained that it was not me who was driving and that I could prove I wasn't and they just seemed to fob me off (which I don't understand because I thought that this would have been taken up by their fraud team). This is why I was questioning whether or not to involve the police because a false insurance claim has been made but the insurer for whatever reason doesn't seem to want to know.

Your relative is the policy holder yet they cannot drive? Perhaps Motorbility works differently but this seems unusual. However, either way you need to be pushing the insurance company here. If you cannot get anywhere you need to register a formal complaint.

Mistral001

[quote=[Deleted User];75550509]Not so. It is the policy holder who has to make the claim, not the driver.


Also, it's many years since I had to fill in a claim form. Its usually done on the phone these days.[/QUOTE]

You will have to take that up with the OP. He said that the policy holder filed the claim in the OP's name.

TheTalkingDead

MEM62 wrote: »

Your relative is the policy holder yet they cannot drive? Perhaps Motorbility works differently but this seems unusual. However, either way you need to be pushing the insurance company here. If you cannot get anywhere you need to register a formal complaint.

The Claimant with entitlement to Motability will always be the main policy holder with RSA insurance as they are the main person responsible for the vehicle, the insurance cover is not like traditional insurance, anyone who drives them around is named drivers, the terms and conditions of motability is complex, but is available for view on their website if you wish familiarise yourself with it.


In this case as a person responsible for the vehicle, the main policy holder can make a claim for damages to be repaired under the policy by and or on behalf of the drivers listed on the policy, what usually happens though is the driver who is named to caused the damage is usually contacted by RSA before any work is carried out, RSA seems to have failed in this, so this leads me to think as the car got to the garage someone fraudulently acted on behalf of the OP at claim stages to confirm the OP caused the damage.


OP really does need to proceed quickly with RSA complaint, and get RSA Fraud team on the phone asap and call the local plod and report it, get a crime ref number, and let the insurance and police do the rest, he also needs to inform his insurers.


He also needs to confirm with RSA that he no longer wishes to be on the policy.


After this breach of terms and conditions of RSA motability anyway, the service will be withdrawn and vehicle collected from the family member anyway.

Car_54

Mistral001 wrote: »

You will have to take that up with the OP. He said that the policy holder filed the claim in the OP's name.

A named driver cannot make a claim. I think the OP means his relative made the claim, naming him as driver.

Nasqueron

MEM62 wrote: »

Your relative is the policy holder yet they cannot drive? Perhaps Motorbility works differently but this seems unusual. However, either way you need to be pushing the insurance company here. If you cannot get anywhere you need to register a formal complaint.

Motability is a scheme that helps disabled people get around, the policy owner (and owner of the car) can be disabled and unable to drive so long as they have a nominated driver (or drivers) as the car is

used by, or for the benefit of, the disabled person. This does not mean that the disabled person needs to be in the car for every journey. In practice, this means other named drivers in the household can use the car for shopping and other routine activities, as long as the disabled customer will benefit

Motability can also take away the car if it's mis-used such as an uninsured (or unapproved) driver is driving so this relative is not only committing insurance fraud, they are risking losing their vehicle

TheTalkingDead

[quote=[Deleted User];75550729]A named driver cannot make a claim. I think the OP means his relative made the claim, naming him as driver.[/QUOTE]
With RSA motability named drivers can report damages to the vehicle to be repaired.

sheramber

It is normal for a Mobility car.

However, you should notify Mobility that you no longer want to be the named driver for the car.

If naming someone else for a speeding fine in offence then surely, naming someone else as driving when they weren't should also be an offence.

Ant555

If I read this thread correctly then the motability car in question is for a disabled person who cannot drive the car due to a disability.
There is ONE named driver (the OP) who is insured to drive the car - in this instance I believe all journeys have to be for the benefit of the disabled person.

Is that correct?