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  • FIRST POST
    • ttony1314
    • By ttony1314 31st Dec 17, 8:47 PM
    • 6Posts
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    ttony1314
    Car insurance voided, URGENT!!!65281;!!!65281;!!!65281;Please help
    • #1
    • 31st Dec 17, 8:47 PM
    Car insurance voided, URGENT!!!65281;!!!65281;!!!65281;Please help 31st Dec 17 at 8:47 PM
    Hi all, my first post here but wont be the last.
    Got into a very sticky situation here and not sure what else i can do now.
    It is a long story so bear with me.

    Back into March a "friend" if mine ask me if i can be the name driver on his policy so we can share car sometimes when traveling and also can reduced his premium a bit as im a more experienced driver. so i said yes to him and gave him a copy of my driving licence alone with a check code from DVLA (to check my driving record).

    Fast forward to July, he crashed to someones house and called me and only to told me he he used my details to set up the insurance on his car, which doesnt even have his name of the policy, but he have paid the damage to the house owner already.
    So that leave me with no choice but to end up friendship and called the police and also contacted the insurance to explain to them it was not my intention to set up the policy and my details were used without my permission(i only gave him the permission to be a named driver of the policy but NOT the policy holder).
    to prove this, they asked me for a letter from DVLA that prove i was never the owner of the car on the policy. and a reference number from the police. which i provided them.
    but only got a letter from them at Oct that told me they have voided the insurance on the ground of misrepresentation of material facts and/or non receipt of documentation. and i need to declare it to any future insurer.
    called them up and explain to them again it was not my intention to set up this policy and ask them to remove the record.
    them from Oct till now i still call them every week to chase in regards to this matter. as my the policy on my own car now is due in 2 weeks. so i need to get this matter sorted before that, as it will be impossible for me get any future insurance with a void record under my name.
    but the insurance company dont seems to interested in this matter and simply say i cant prove that i wasnt the person who set up the policy. despite the fact that i have provided them a letter from DVLA that shows i was never the owner of that car, a reference number from police, and show them there was never any money left my account for this policy.

    Is there anything else i can do? i tried to talked to new insurer about this matter as my own policy is due soon, but no one wanna cover me for this matter, and ask me to solve this before trying to get new policies.

    Sorry for the long post but i really need some help ASAP
    Thanks in advance
    Tony
Page 1
    • Aretnap
    • By Aretnap 31st Dec 17, 9:18 PM
    • 2,976 Posts
    • 2,490 Thanks
    Aretnap
    • #2
    • 31st Dec 17, 9:18 PM
    • #2
    • 31st Dec 17, 9:18 PM
    If you haven't done so already you need to make a formal complaint to your insured using the procedure set out in your policy documents. Then if you're not happy with their response you can complain to the Financial Ombudsman, who can (if they agree with you) force the insurer to take the market of your record.

    Unfortunately the timescale for all this trend to be measured in months rather than days so while you should definitely do it for the sake of your long term insurability (in most cases a cancelled policy has to be declared forever), it probably won't help you much in the short term if you need to renew in a fortnight.
    • societys child
    • By societys child 31st Dec 17, 9:18 PM
    • 5,224 Posts
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    societys child
    • #3
    • 31st Dec 17, 9:18 PM
    • #3
    • 31st Dec 17, 9:18 PM
    You don't need to be the owner to insure the vehicle.

    It appears the insurance company are taking the view that you fronted for your "friend", which unfortunately appears to be the case?
    Last edited by societys child; 31-12-2017 at 9:23 PM.

    • dacouch
    • By dacouch 31st Dec 17, 9:25 PM
    • 20,494 Posts
    • 12,697 Thanks
    dacouch
    • #4
    • 31st Dec 17, 9:25 PM
    • #4
    • 31st Dec 17, 9:25 PM
    To add to Aretnap's post which tells you exactly what to do.

    If the matter makes it to the Ombudsman and they rule in your favour (I would be surprised if they did not) then the Ombudsman would require the Insurer to put you in the same financial position had they not make the mistake. So keep a thorough record of any extra costs you incurr
    • paddedjohn
    • By paddedjohn 1st Jan 18, 7:25 AM
    • 7,153 Posts
    • 7,798 Thanks
    paddedjohn
    • #5
    • 1st Jan 18, 7:25 AM
    • #5
    • 1st Jan 18, 7:25 AM
    You don't need to be the owner to insure the vehicle.

    It appears the insurance company are taking the view that you fronted for your "friend", which unfortunately appears to be the case?
    Originally posted by societys child
    It's not fronting, his friends name didn't even get onto the policy
    Be Alert..........Britain needs lerts.
    • Quentin
    • By Quentin 1st Jan 18, 9:53 AM
    • 35,913 Posts
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    Quentin
    • #6
    • 1st Jan 18, 9:53 AM
    • #6
    • 1st Jan 18, 9:53 AM
    As already advised this will take longer than a fortnight to resolve


    Although your current insurer won't renew until the issue is resolved, you will get cover (though probably at a cost!) via a local broker who will be able to use an insurer prepared to cover clients with void policy in their history.


    But make enquiries now so you aren't left high and dry at renewal time - as dacouch says - you should eventually get all extra costs reimbursed from the other insurer
    • societys child
    • By societys child 1st Jan 18, 10:47 AM
    • 5,224 Posts
    • 5,773 Thanks
    societys child
    • #7
    • 1st Jan 18, 10:47 AM
    • #7
    • 1st Jan 18, 10:47 AM
    It's not fronting, his friends name didn't even get onto the policy
    Originally posted by paddedjohn
    Ah, thanks, I should have read a bit slower

    Edit: Humm, but the op didn't know that, and thought they were helping to reduce the friends premium by agreeing, when they'd no intention of ever driving the vehicle, which is pretty similar.
    Last edited by societys child; 01-01-2018 at 11:03 AM.

    • robber2
    • By robber2 1st Jan 18, 11:15 AM
    • 352 Posts
    • 297 Thanks
    robber2
    • #8
    • 1st Jan 18, 11:15 AM
    • #8
    • 1st Jan 18, 11:15 AM
    ..........., which is pretty similar.
    Originally posted by societys child
    but not illegal / against the rules.

    Rob
    • Quentin
    • By Quentin 1st Jan 18, 11:57 AM
    • 35,913 Posts
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    Quentin
    • #9
    • 1st Jan 18, 11:57 AM
    • #9
    • 1st Jan 18, 11:57 AM
    Ah, thanks, I should have read a bit slower

    Edit: Humm, but the op didn't know that, and thought they were helping to reduce the friends premium by agreeing, when they'd no intention of ever driving the vehicle, which is pretty similar.
    Originally posted by societys child
    Nowhere near "similar"!!


    (And where did the OP say he had "no intention of ever driving the vehicle"??)


    It's an MSE cheaper car insurance moneysaving stalwart wheeze!


    https://www.moneysavingexpert.com/car-insurance/?_ga=2.103489347.2131502410.1514805342-1191508401.1510402543#costcut
    • ttony1314
    • By ttony1314 1st Jan 18, 1:14 PM
    • 6 Posts
    • 0 Thanks
    ttony1314
    If you haven't done so already you need to make a formal complaint to your insured using the procedure set out in your policy documents. Then if you're not happy with their response you can complain to the Financial Ombudsman, who can (if they agree with you) force the insurer to take the market of your record.

    Unfortunately the timescale for all this trend to be measured in months rather than days so while you should definitely do it for the sake of your long term insurability (in most cases a cancelled policy has to be declared forever), it probably won't help you much in the short term if you need to renew in a fortnight.
    Originally posted by Aretnap
    Thanks for the advice, I didnt make a formal complaint but i did told them im not happy with the result, they told me to call them (the broker) tomorrow while they can contact their under writer to try and solve this issue for me.
    • ttony1314
    • By ttony1314 1st Jan 18, 1:15 PM
    • 6 Posts
    • 0 Thanks
    ttony1314
    To add to Aretnap's post which tells you exactly what to do.

    If the matter makes it to the Ombudsman and they rule in your favour (I would be surprised if they did not) then the Ombudsman would require the Insurer to put you in the same financial position had they not make the mistake. So keep a thorough record of any extra costs you incurr
    Originally posted by dacouch
    Thanks for the advice
    • mgfvvc
    • By mgfvvc 1st Jan 18, 6:01 PM
    • 296 Posts
    • 118 Thanks
    mgfvvc
    What he actually said
    Edit: Humm, but the op didn't know that, and thought they were helping to reduce the friends premium by agreeing, when they'd no intention of ever driving the vehicle, which is pretty similar.
    Originally posted by societys child
    It would help if you read the original post more carefully. It says "so we can share car sometimes when traveling and also can reduced his premium a bit". The first bit of that clearly implies an intention to drive the car, as well as reducing the premium.
    • ttony1314
    • By ttony1314 1st Jan 18, 8:38 PM
    • 6 Posts
    • 0 Thanks
    ttony1314
    It would help if you read the original post more carefully. It says "so we can share car sometimes when traveling and also can reduced his premium a bit". The first bit of that clearly implies an intention to drive the car, as well as reducing the premium.
    Originally posted by mgfvvc
    I did have intention on driving the car but not it is down to the insurer to believe me or not it i wasnt the my intention to set up the policy. my defense will be the following:
    1. i never owned that car on the policy (which DVLA record says so as well)
    2. Police is informed as well (why would i do it if i was the person who set up the policy?)
    3. there are never any money left my account for this policy.
    • ttony1314
    • By ttony1314 1st Jan 18, 8:43 PM
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    ttony1314
    But again im not sure if Financial Ombudsman will take my view as well, as im not sure if i got enough to prove it wasnt my intention to set up the policy.
    • Clifford_Pope
    • By Clifford_Pope 2nd Jan 18, 4:50 PM
    • 3,617 Posts
    • 3,777 Thanks
    Clifford_Pope
    he used my details to set up the insurance on his car, which doesnt even have his name of the policy,
    Originally posted by ttony1314
    If it's "your" policy and his name does not appear as a named driver then he was driving uninsured?
    Apart from that it's surely identity theft? Isn't that a criminal offence too?
    • ValiantSon
    • By ValiantSon 3rd Jan 18, 2:37 AM
    • 2,044 Posts
    • 1,894 Thanks
    ValiantSon
    How was the policy paid for? I would imagine that it was paid for with a credit or debit card which, if your so-called friend, bought the insurance would have been done with his card. Ask the insurers about this.
    • ttony1314
    • By ttony1314 5th Jan 18, 12:23 AM
    • 6 Posts
    • 0 Thanks
    ttony1314
    How was the policy paid for? I would imagine that it was paid for with a credit or debit card which, if your so-called friend, bought the insurance would have been done with his card. Ask the insurers about this.
    Originally posted by ValiantSon
    According to the insurer, it was paying on monthly, which, doesnt coming from any of my account (I only have one anyway).
    • ValiantSon
    • By ValiantSon 5th Jan 18, 3:08 AM
    • 2,044 Posts
    • 1,894 Thanks
    ValiantSon
    According to the insurer, it was paying on monthly, which, doesnt coming from any of my account (I only have one anyway).
    Originally posted by ttony1314
    Sounds to me like these are grounds for you to get this removed from your records then. The policy is being paid from an account that you do not hold, so you could not have set the payments up. They cannot argue otherwise. You really need to push them over this. They cannot hold you responsible if they don't have any evidence that you committed fraud.

    You MUST make a formal complaint and follow it through, right up to and including the ombudsman, if necessary.
    • Quentin
    • By Quentin 5th Jan 18, 9:31 AM
    • 35,913 Posts
    • 20,185 Thanks
    Quentin
    Sounds to me like these are grounds for you to get this removed from your records then. The policy is being paid from an account that you do not hold, so you could not have set the payments up. They cannot argue otherwise. You really need to push them over this. They cannot hold you responsible if they don't have any evidence that you committed fraud.

    You MUST make a formal complaint and follow it through, right up to and including the ombudsman, if necessary.
    Originally posted by ValiantSon
    Whilst agreeing the OP should try everything to get this decision reversed, the fact that the policyholder didn't pay the premium isn't itself grounds to do this.

    Insurers always accept payment from any source!
    • ValiantSon
    • By ValiantSon 5th Jan 18, 6:42 PM
    • 2,044 Posts
    • 1,894 Thanks
    ValiantSon
    Whilst agreeing the OP should try everything to get this decision reversed, the fact that the policyholder didn't pay the premium isn't itself grounds to do this.

    Insurers always accept payment from any source!
    Originally posted by Quentin
    That's as may be, and I acknowledge the depth of your knowledge on these matters, however, burden of proof is a legal requirement and the insurers (powerful as they are) do not have the right to arbitrarily apportion blame: they need to have some proof that he has committed insurance fraud. As it stands (from what we know) they don't have any.

    To take this to its logical conclusion I could randomly pick a name from the electoral register and use their details to purchase insurance (to gain a cheaper price) and then pay for it from my account and the random stranger would end up with a record of cancelled insurance when my fraud was discovered. Somehow I don't see a court upholding that kind of decision.
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