Cancelled Insurance need help please.

Jenni_D

Good spot.

Then yes, this could look suspicious to an insurance company. No doubt an entirely innocent act by the OP and Mum, and not intended in that way, but in effect still "fronting".

Ditzy_Mitzy

Jenni_D said:

Good spot.

Then yes, this could look suspicious to an insurance company. No doubt an entirely innocent act by the OP and Mum, and not intended in that way, but in effect still "fronting".

Especially if the mother's other car is insured with the same company, or they are somehow aware of its existence.  Her trying to insure a second car as 'main driver' with teenage son as a named driver, in addition to also being the main driver of the first car would surely set off alarm bells.  

sheramber

The cancellation on  that 2 nd car policy could affect her insurance on her main car.

youngman19

scrappy_returns said:

Sounds like you bought from Hastings. They have form for cancelling insurance when various options are included in quotes.

To be clear: there is absolutely nothing wrong with getting different quotes with different information in them. They are just quotes. If you buy in false info that's different but if you want to get a quote on a ferrari stating you will drive it a billion miles and your job is a professional footballer then  you can certainly try. Nothing at all wrong with that.

That you are spot on, It was from Hastings 

youngman19

Arklight said:

Has it definitely been recorded as a cancellation that you have to declare to future insurers? This sounds more like a "The underwriters have decided that they can't offer cover after looking at your application"  than a "You have broken the terms of the policy" cancellation.

When the former happened to me, I got an apology letter confirming that it wasn't registered as a cancellation I would have to declare and a voucher. 

Yes, the underwrites (Advantage) told Hastings from what I have been told. How can my mum find out for sure please? Do I get my mum to ask them for a letter confirming this?

youngman19

caprikid1 said:

Ultimately the pair of you were looking to have your mother "Front" your insurance policy, sadly this is insurance fraud as there is no way she was going to be the primary driver of the second car you just happened to have around.

The amount of quotes you did just flagged and highlighted the issue to them.

Why not get an insurance policy for yourself in your name ? 

NO absolutely not. Please don't assume this. We know what this means and I do not even need a car to get around as my work is close by. We are using this car as a second car to get my nan to her hospital appointments. When my mum is at her work then I will take her. 

youngman19

sheramber said:

As this is a  'spare ' car does your mother have insurance on another car?

Yes, she always has fully comp insurance for commuting and business. She only uses the other one to work and business and does not want to go over her stated mileage hence this cheap runaround. I am only insured to take my nan hspital when my mum has work at that time

youngman19

Jenni_D said:

caprikid1 said:

Ultimately the pair of you were looking to have your mother "Front" your insurance policy, sadly this is insurance fraud as there is no way she was going to be the primary driver of the second car you just happened to have around.

You might be right, but it's a bit of a leap to say this as fact.

@youngman19 who is the primary insured person on the main car? Your Dad, with Mum as a named driver? If Mum is the primary insured person on the main car then her being likewise on the 2nd car (with you as a named driver) may well appear as "fronting" to an insurance company.

Just to reply to your message I will copy and past...

NO absolutely not. Please don't assume this. We know what this means and I do not even need a car to get around as my work is close by. We are using this car as a second car to get my nan to her hospital appointments. When my mum is at her work then I will take her.
Yes, she always has fully comp insurance for commuting and business. She only uses the other one to work and business and does not want to go over her stated mileage hence this cheap runaround. I am only insured to take my nan hspital when my mum has work at that time

youngman19

Ditzy_Mitzy said:

Jenni_D said:

Good spot.

Then yes, this could look suspicious to an insurance company. No doubt an entirely innocent act by the OP and Mum, and not intended in that way, but in effect still "fronting".

Especially if the mother's other car is insured with the same company, or they are somehow aware of its existence.  Her trying to insure a second car as 'main driver' with teenage son as a named driver, in addition to also being the main driver of the first car would surely set off alarm bells.  

No it is not insured with the same company!

youngman19

Ditzy_Mitzy said:

Jenni_D said:

Good spot.

Then yes, this could look suspicious to an insurance company. No doubt an entirely innocent act by the OP and Mum, and not intended in that way, but in effect still "fronting".

Especially if the mother's other car is insured with the same company, or they are somehow aware of its existence.  Her trying to insure a second car as 'main driver' with teenage son as a named driver, in addition to also being the main driver of the first car would surely set off alarm bells.  

Why can't someone have two cars and be main driver for legitimate reasons? Is that illegal?

(reasons I have already written above)