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Friend keeps taking out car insurance in my name and putting herself as a named driver
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I agree with the advice so far...
Report this to the police.
Advise your current own insurers of what is going on. Ask them to check CUE database (if they will?)
Can you make a notice of correction on your credit files about this too, as most insurers run credit checks these days, regardless of whether instalments are requested or not.
Also, she is shooting herself in the foot, long term, as she won't accrue any NCD if she doesn't hold policies in her own name!How's it going, AKA, Nutwatch? - 12 month spends to date = 2.60% of current retirement "pot" (as at end May 2025)0 -
Presumably she has also been driving without insurance as she provided false information to get the insurance in the first place.
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Don't bother with a notice of correction - it will only impact your ability to get credit and won't stop anyone else from taking out an insurance policy in your name.
As above, report to the police/action fraud. Since the policy is in your name, you technically should be able to contact the insurer yourself to cancel it, and inform them it was fraudulent. And I agree with the other posters that you need to do this ASAP in case she has to make a claim which gets recorded against your name.
Not really sure how you can prevent this from occurring again short of reporting it every time it happens and hoping that eventually your "friend" will get the hint.0 -
It might be worth doing a 'Data Subject Access Request' on the CUE database - that will give you details of any insurance claims made in your name in the last 6 years.
You can make the request here: https://www.mib.org.uk/managing-insurance-data/requesting-your-data/
If you find details of any claims which weren't actually made by you, you can contact the relevant insurer and explain that you didn't make the claim, and that it is probably fraudulent. (The result is that your friend is likely to be prosecuted for fraud, but that's a consequence of what they've done.)
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If you got a letter from Tesco Insurance then they must have your address for the insurance policy. Tesco documents are online
so she would access them herself.
Also, if 'she' has had a policy cancelled that was in your name that will now be on record as your cancellation.1
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