Friend keeps taking out car insurance in my name and putting herself as a named driver

Lightspeeders

I am not really sure how to explain this so I will just do my best...
My friend who I taught to drive when she first got her car a few years ago seems to have taken to taking out car insurance policies in my name and making herself the named driver - and me the main driver for cars I do not own or ever drive - nor do we live in the same house.

When I first taught her to drive we had a legitmite policy like that as I was the main driver of the car and she would only ever drive when I was teaching her how to until she passed her test (We also informed the insurance company of this and they said they were ok with that years policy)

We all agreed that after she passed her test and the current policy ran out then she would then get her own car insurance.

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However I can only assume she saw how much savings it was and then decided to start doing it every year- with several different companies.

That first policy was taken out by both of us - however all the ones since have been taken out by her without telling me until long afterwards... if she tells me at all... - some years I hear nothing.

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As this is fronting and not even techniqually legal - I am seriouslly worried what legal implications this will put on me - and the worst part is it cant stop her doing it!
I have told her many times in no uncertain terms to stop doing this as she is also at risk of getting in trouble...

She then procedes to tell me how im talking rubbish and its fine - and then takes another policy out in my name and address!

As she knows all my personal details I don't know how to stop her doing this.

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The other week I even got a letter from Tesco insurance saying they are essencially banning me from them and their underwriters - and now ive lost the letter - but i do think i need to contact them.

no idea how im going to explain this to them though or what they can even do.
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I guess i need some advice here on what to do to either stop it happing - or at least make sure im not going to get in trouble or have my own insurance affected by what shes doing without my permision and most years knowledge.

Of course it already has - now tescos insurance said that.

also she never tells me what company she even went with so I cant even contact them normally.
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The options in my head at the moment are...
1) put together some kind of list of every car insurance provider from lands end to john o groats. and contact them all to ask if i have a policy with them - every year. - doesnt seem too feasable.

I thought i had a second option but i dont...

I really dont know what to do here - or if i should be worried - as the insurance companies have no idea shes doing all this pretending to be me.. and I have no idea how to stop it - I feel kind of stuck atm.


Thank you for any help or advice you can give me.

Lightspeeders.

Mickey666

I doubt you can get into any trouble for her clearly fraudulent actions, except perhaps for passive collusion on the grounds that you know about it and have not done anything to prevent it, by which I mean informing the insurance company that you are not the main driver, in fact you're not ANY sort of driver for her vehicle.

I would have a 'quiet word' with her to explain the fraudulent nature of her actions and that to avoid any issues for yourself you are going to inform her insurance company of the true situation.  If you don't know the insurance company then tell her you'll be forced to go to the police and let them deal with it - they will be able to find her insurance details.   Then give her a few days to make the necessary changes and give you a copy of her new policy without your name on it.

Lightspeeders

The problem I have is I don't know what company she goes with usually - however i will be contacting tescos insurance, also im not even 100% sure she does it in my address - at least i think she is - however i dont usually get letters or anything from them - can you change it to email only or something.

Also another worrying part is - she made a claim for a non fault accident on the last one (maybe that was the tesco one once they looked into it) - im shocked they even let a named driver put a claim through.

I know she isn't going to stop doing it from a quiet word - I've tried that and not so quiet words before with her - and knowing her personally - she thinks she is a law onto herself, her stopping it of her own volation probablly isnt going to happen.

I think I will need to go higher possibly to the police if it comes to that - but what would i even say to them - and also I fear even after all that - soon as its over she will do it again and probabbly not even tell me this time.

I will try what you said - but if i do need to go higher then I hope something can be done, Plus making a claim now or in the future again is surly going to affect my own insurance when I do get a car again one day.

Also she even had the cheak to ask me to help her set a new one up (Which obviouslly i will NOT be doing under any circumstances!) because the new one she tried to do it with canciled it because she forgot to send them some information they asked for or something... thats how I know she is still up to her old tricks with it even now.

its definitlly a complicated situation.

Lightspeeders.

DCFC79

Do as above OP but asap.

Lightspeeders

Would I be asking the police to tell me her insurance details - or would I be asking them to find out for themselves and then inform the insurance company through them?
Lightspeeders

Lightspeeders

Also as it stands at the moment - she does not have an insurance company since the last one cancield it instantlly when she didnt send the details - maybe they are starting to work out whats going on. - I still need to be sure though and I am definitlly going to do what you said - if she tells me shes insured herself again - first thing im asking is what company is it with. - and then go on with the steps if needed.

Lightspeeders

TELLIT01

Tell your 'friend' that what she is doing is committing insurance fraud and must stop immediately.  If you have cause to believe she is still doing it you need to report it to police to protect yourself.  The police will be able to find out which company you supposedly have insurance with, and if she is a named driver on any policy.

Your only responsibility in all this is to protect yourself from any guilt by association.  A genuine friend would not put you in this position.

Thrugelmir

Report the issue to the police. You are aware of what she is doing. You are the one that is by association getting into a bigger and bigger mess. Making the matter official gives you the ammunition to clear your name. 

missile

My son did similar and when he wrote of his car I ended up with a fault claim to declare on my own policy.

Lightspeeders

TELLIT01 said:

  A genuine friend would not put you in this position.

I didn't want to confuse the orignal post - but don't worry I have already worked that out - and have distanced myself from her - however she keeps popping up out the blue with mad situations like this.


Also for now the insurance company wont insure her using my name - hopefully it stays like that - but the minute I have reason to beleve she has managed to take a policy out im going to do all the things you have said on this thread.

Hopefully this actually puts a stop to it - fingers crossed.

Thank you for the advice - Least I have a plan now.

Lightspeeders.

GrumpyDil

You need to be very careful here
 You may find that there are entries on the CUE database showing you have had an accident. If you take out insurance yourself stating no accident and they crooss reference CUE and find a record you will end up with cancelled insurance and a whole world of pain. 
You need to report her actions to the police to protect your own position.