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Insurance Scam? Help

edited 30 November -1 at 1:00AM in Motoring
26 replies 2.8K views
SeaVixenSeaVixen Forumite
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edited 30 November -1 at 1:00AM in Motoring
Hi all,
Bit of advice needed.

I share a car with my mum – we used to live together and now we live separately. The car is registered in her name, and I’m just a named driver on the insurance.

A letter has arrived to my mum’s address, but addressed to me, from a company named Easidrive. Apparently they have been instructed by their client to ask for insurance company details following an accident last Friday.

I was driving the car on Friday, but was definitely not in an accident, or even anything close to an accident.

A few things are striking me as odd:
- Car is registered to my mum, so if something had happened the letter would have come addressed to her, surely?
- I haven’t lived there for 3 years, and my driving license is registered to my new address.
- There was no car registration on the letter, or details of the location of the accident, just the apparent date.

This feels like a scam, but I’m unsure how to proceed. Just ignore it? Should I tell our insurance just to be on the safe side? Would it be safe to call the company and ask what they are talking about?

Does this sound like it might be legit, or a case of mistaken identity, to anyone?

Any help would be much appreciated.
Thanks in advance!
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Replies

  • Johno100Johno100 Forumite
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    The logical answer is someone has given your name and your moms address to the other party at the scene of an accident. Does seem strange that no vehicle registration or location is included in the letter.

    And just to confirm the vehicle is registered (address on the V5c AKA Log Book) to your mother?
  • SystemSystem
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    The web address is easidrive.com and phone number 0345 8000 800


    why not just give them a call and ask where they got your details from.



  • Car_54Car_54 Forumite
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    It does sound a bit fishy.
    However, your insurance policy almost certainly requires you to pass any such communications to them, unanswered.

    I would do exactly that, with a covering letter explaining the circumstances. And do the same with any follow-up.
  • Johno100Johno100 Forumite
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    Car_54 wrote: »
    It does sound a bit fishy.
    However, your insurance policy almost certainly requires you to pass any such communications to them, unanswered.

    I would do exactly that, with a covering letter explaining the circumstances. And do the same with any follow-up.

    Which insurance policy? They haven't even identified the vehicle (there may be a number in the household) nor written to the policyholder.
  • edited 16 July 2019 at 2:30PM
    SeaVixenSeaVixen Forumite
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    edited 16 July 2019 at 2:30PM
    Thanks for the replies all.

    It's my mum's name on the log book.
    There are two cars registered to my mum's address - only one of which I'm listed on the insurance of.

    I was driving in an area that there wouldn't reasonably be anybody that knew me or my mum's address. I'd also like to think that anybody that would know my mum's address would probably give me a call, or tell the other party to go through the DVLA, rather than pass my details on blindly.

    I'm a little wary of engaging the company further if it is a scam. I'll call mine/mum's insurance to see what they suggest.
  • Car_54Car_54 Forumite
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    Johno100 wrote: »
    Which insurance policy? They haven't even identified the vehicle (there may be a number in the household) nor written to the policyholder.
    Why would they write to the policyholder? Any claim is against the driver.
  • HoofeHeartedHoofeHearted Forumite
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    Just been on their website.
    They sound like 'middle men'
    "If you have been involved in a road-traffic accident that was not your fault, EasiDrive is here to provide you with comprehensive credit hire and credit repair service. We take away the inconvenience you will be experiencing in this situation, ensuring you remain mobile at what is often a distressing time."


    Someone may have contacted them and gave your/your mum's details.


    They are not an insurance company.


    Forward everything to your mum's insurance company.
  • RetrogamerRetrogamer Forumite
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    Car_54 wrote: »
    It does sound a bit fishy.
    However, your insurance policy almost certainly requires you to pass any such communications to them, unanswered.

    I would do exactly that, with a covering letter explaining the circumstances. And do the same with any follow-up.
    Just been on their website.
    They sound like 'middle men'
    "If you have been involved in a road-traffic accident that was not your fault, EasiDrive is here to provide you with comprehensive credit hire and credit repair service. We take away the inconvenience you will be experiencing in this situation, ensuring you remain mobile at what is often a distressing time."


    Someone may have contacted them and gave your/your mum's details.


    They are not an insurance company.


    Forward everything to your mum's insurance company.

    I wouldn't do this.

    The insurance company will then treat it as a potential claim that may stay open for several months impacting premiums come renewal even if it's found the driver was indeed in no accident.

    Instead i would respond to the letter stating you do not live there any more and instruct them to send no further mail there addressed to you. I'd also advise them in the same response you haven't been involved in any accidents then i'd forget about it.
  • Johno100Johno100 Forumite
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    Car_54 wrote: »
    Why would they write to the policyholder? Any claim is against the driver.

    But they're not the policyholder of this unidentified vehicle they were not driving at the time of this non-accident. Why should they go reporting this to the mothers insurers (with all the consequences of that) without first confirming that they have the right vehicle?
  • EdGasketTheSecondEdGasketTheSecond Forumite
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    I had a company accuse us of being in an accident; turns out a witness had misread the number plate of the actual car involved.
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