Insurance Scam? Help

Car_54

Johno100 wrote: »

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?

Because it's almost certainly a condition of mother's policy, e.g. "If you receive correspondence or are contacted by a third party relating to an incident, or receive any notice of prosecution, inquest, or fatal accident enquiry, or you are sent a summons or claim form from court or a solicitor’s letter regarding a claim, you must notify us and send the document to us immediately, unanswered – quoting your policy number"

Retrogamer

Car_54 wrote: »

Because it's almost certainly a condition of mother's policy, e.g. "If you receive correspondence or are contacted by a third party relating to an incident, or receive any notice of prosecution, inquest, or fatal accident enquiry, or you are sent a summons or claim form from court or a solicitor’s letter regarding a claim, you must notify us and send the document to us immediately, unanswered – quoting your policy number"

Good advise.
It's the mother's policy and the mother didn't receive any such correspondence as it wasn't her name on the letter.
Thus if the daughter doesn't tell the mother the contents of the letter then the mother has done no wrong

Also, the OP says there was no accident or incident.

SeaVixen

Car_54 wrote: »

Why would they write to the policyholder? Any claim is against the driver.

But given there was no incident, I didn't give my name to anybody - I couldn't be identified as the driver. All they would have is the car registration. So if the DVLA were to give out a name, it would be my mum's not mine, as I am not the owner of the car.

Retrogamer wrote: »

Good advise.
It's the mother's policy and the mother didn't receive any such correspondence as it wasn't her name on the letter.
Thus if the daughter doesn't tell the mother the contents of the letter then the mother has done no wrong

Also, the OP says there was no accident or incident.

There's also the issue that this letter was sent to an old address of mine. It's a happy coincidence that it's my mothers address. I could very easily have never received it.

Of course, I have, so I'd rather deal with it than ignore it. But it all just feels very scam-like.

Ant555

I agree that is sounds fishy as they would have no way of finding out your details without speaking to your mum (the policyholder) or possibly if you had included your driving license details on the quote/insurance as they sometimes ask as an optional question.
EDIT: I have just spotted that the letter went to the policyholders address.

Assuming your mum hasnt passed off an accident of hers on to you of course!

Ive had people on previous insurances as named drivers that did not live at my address - they just asked for age and driving history on the online quotation system, not their address.

There was a similar thread on here a while back about a named driver being implicated in an accident, when they werent and it being nigh on impossible to get the insurance to be in the least bit concerned.
FAO other board readers - was it a mobility car or an ex partner that said it was the other person?

Car_54

SeaVixen wrote: »

But given there was no incident, I didn't give my name to anybody - I couldn't be identified as the driver. All they would have is the car registration. So if the DVLA were to give out a name, it would be my mum's not mine, as I am not the owner of the car.

There's also the issue that this letter was sent to an old address of mine. It's a happy coincidence that it's my mothers address. I could very easily have never received it.

Of course, I have, so I'd rather deal with it than ignore it. But it all just feels very scam-like.

I suspect that the complainant knows you: "friend", neighbour, colleague ....

SeaVixen

Car_54 wrote: »

I suspect that the complainant knows you: "friend", neighbour, colleague ....

That is a worrying thought....

I've written to the DVLA to ask under my GDPR rights for all the information they hold on me, including details of any information they have passed to third parties in the last 6 months.

This will hopefully show if i'm incorrectly attached to another car, or maybe shed some light on something...

a.turner

SeaVixen wrote: »

That is a worrying thought....

I've written to the DVLA to ask under my GDPR rights for all the information they hold on me, including details of any information they have passed to third parties in the last 6 months.

This will hopefully show if i'm incorrectly attached to another car, or maybe shed some light on something...

Unless you're the registered keeper and would of most likely have received a V5 the dvla can't help.

SeaVixen

a.turner wrote: »

Unless you're the registered keeper and would of most likely have received a V5 the dvla can't help.

That's exactly the point... I shouldn't be a registered keeper of any car. So if the DVLA do have me as a registered keeper then it's a mistake and needs correcting.

If the DVLA don't have me as a registered keeper of a car, then I'm even more sure that this is a phishing scam, as there is nowhere else someone could have legitimately got my details from in regards to this.

DoaM

SeaVixen wrote: »

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.

<snip>

- I haven’t lived there for 3 years, and my driving license is registered to my new address.

* Where is the vehicle usually kept?
* Who normally drives the vehicle? Are you the main driver?
* Is your Mum named on the insurance as the main driver? i.e. Is the insurance in your name or your Mum's?

Is this a case of "fronting"?

SeaVixen

DoaM said:

SeaVixen wrote: »

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.

<snip>

- I haven’t lived there for 3 years, and my driving license is registered to my new address.

* Where is the vehicle usually kept?
* Who normally drives the vehicle? Are you the main driver?
* Is your Mum named on the insurance as the main driver? i.e. Is the insurance in your name or your Mum's?

Is this a case of "fronting"?

Hi - this is a bit of a dead thread now, but just to clarify.
This isn't a case of fronting - my mum is the policy holder, the car stays with her, I'm a named driver and use the car when I need to (maybe one weekend every other month). I refer to it as "sharing" a car, as we bought it 50/50 when I lived with her, and she pays for the upkeep in exchange for main usage of it.

After some toing and froing with the DVLA, I came to the conclusion that this was a scam, as there was no legitimate place they could have got my details from, and didn't specify the registration number.