Car Insurance Identity Theft

DrowninginDebt

I have received an email from Moneysupermaket.com reminding me that my car insurance is due to be renewed today, and that a quote had been obtained on 2 April 2025 for a car I have never owned.  On checking, the MoT ran out in May last year.
Has someone used my details last year to obtain car insurance?

Mildly_Miffed

If MSM have your email, then just reset the password on their website, and see what quotes have been obtained.

As ever, if you're in ANY doubt that your email has been compromised, change the password for it - and if you haven't got 2FA set up, SET IT UP.

It's not necessarily a policy from last year - a quote would simply ask when the old policy expires. But the question is how they logged in using your email, without having access to your email. Did you have an MSM account beforehand, using that email address?

DullGreyGuy

DrowninginDebt said:

I have received an email from Moneysupermaket.com reminding me that my car insurance is due to be renewed today, and that a quote had been obtained on 2 April 2025 for a car I have never owned.  On checking, the MoT ran out in May last year.
Has someone used my details last year to obtain car insurance?

not necessarily, somewhat depends on what your email address is like... it can be someone simply miskeying their email address and ending up with yours or someone doing test quotes and entering a random email and ended up putting yours in. 

DrowninginDebt

Thank you, Mildly Miffed, and yes I have a MSM account with that email so I will now change my password.

And thanks to you too, Dull Grey Guy, for your comment. Several months ago, I had a dispute with being sold a wreck of a car, trying to get my money back from a family with criminal convictions, so I am now supersensitive over my security!

prettyandfluffy

It might also be worth looking at the searches on your credit record to see if there are any you don't recognise (via Experian etc).  If there are you might want to consider "locking" your credit record so that no unauthorised hard searches can be carried out.  NB The different credit reporting agencies all do this in a different way.  It may cost you a fee to do this but that's nothing compared to the hassle from someone fraudulently using your identity to obtain insurance, as happened to me 18 months ago.

DrowninginDebt

Many thanks, prettyandfluffy, I will contact the credit agencies as I suspect the same has happened to me. Hope you got sorted ok 😊

prettyandfluffy

DrowninginDebt said:

Many thanks, prettyandfluffy, I will contact the credit agencies as I suspect the same has happened to me. Hope you got sorted ok 😊

The insurance company concerned (who I had never heard of) actually paid the fee for my credit locks for a year.  If this has happened to you, make sure you report it to Action Fraud who will give you a crime number in case you need it in the future.  All that happened to me, once I'd sorted out the debt collectors etc who were chasing payment for the fraudulent insurance, was that one of my Credit Cards had its limit cut from £6K to £500.  As it was a card I didn't use I just cancelled it but it could have been very inconvenient.  However now that I check my credit record and get notifications of searches, I can tell you that someone is still trying to get car insurance using my details.

DrowninginDebt

Wow, prettyandfluffy, scary stuff! Thanks again and I will follow your advice 😊