Insuring a car twice???

gogs2006

Can anyone help with this situation...

My mate is 27 and is going out with a 20 year old who is convinced that the world revolves around her...

3 months ago she bought a 2.0 TDI Mondeo and then decided to check insurance quotes :rolleyes:

She discovered her quote was over €1500 so in a bid to reduce her insurance costs she decided to add a 2nd car in her boyfriends name.

My mate is unemployed and is unable to afford a car or the costs at the moment.We presumed that she had paid the full premium cost.

It now appears that she has added her boyfriends Fathers car to her policy claiming her boyfriend is the registered owner of this car!!!!

His father is unaware of the situation!!!!!

I have tried explaining to my mate that this highly illegal and that his father's policy is now Void and that he would be held responsible for Insurance fraud..

My mate assures me that his girlfriend has spoken to her insurance company and they have given their approval.......

I'am considering informing my mates father of the matter as i have great respect for the man and i would hate to see him being held responsible for her childish actions....

Is it possible to report this matter to her insurance company without landing my mates father in the crap??????

seanybiker

Im not expert but I cant see how your mates father will get in trouble, its your mates lack that is being a fraud.

oldyouth

........

Atomic Pineapple

seanybiker wrote: »

Im not expert but I cant see how your mates father will get in trouble, its your mates lack that is being a fraud.

agreed, his father has no part in it and its the moth that's being fraudulent

OldmanMondeo

If I am reading this right, the GF has taken another policy out on you matres Fathers car, without telling him, so she can now drive the Mondeo on this policy's open drive?

If this is the case, I would let the Father know. The fraud would be against the GF as she has lied to the insurance company and in the even of an accident, should they find out, they will not pay out. The GF will be the one in trouble and not the Father.

Dabko

Your mates girlfriend sounds like an ejit!

Do, tell your his father about it so he's not left standing there looking like a complete dick for some self obsessed child.

milltown

Your mate's father has nothing to worry about if the policy is not in his name.
If she's taking a policy on someone else's car so she can drive her own on the "driving other cars" extension then she is uninsured and pi$$ing money away. The "other car" (her mondeo) has to be insured anyway for the "other cars" extension to work, and also cannot be owned by her.

seamus

milltown wrote: »

The "other car" (her mondeo) has to be insured anyway for the "other cars" extension to work

Doesn't actually, depends on the policy.

and also cannot be owned by her.

This is the key bit.

Aside from whatever else, she is driving uninsured. Her insurance policy is worthless. If she crashes or is stopped by an eager Garda she faces a hefty fine, a driving ban and/or a prison sentence. If she injures or kills someone else while driving, they will not get a penny from insurance.

Tell your mate that his girlfriend is uninsured, full stop. Whatever piece of paper she has in her window is worthless.

brownacid

seamus wrote: »

Doesn't actually, depends on the policy.This is the key bit.

Aside from whatever else, she is driving uninsured. Her insurance policy is worthless. If she crashes or is stopped by an eager Garda she faces a hefty fine, a driving ban and/or a prison sentence. If she injures or kills someone else while driving, they will not get a penny from insurance.

Tell your mate that his girlfriend is uninsured, full stop. Whatever piece of paper she has in her window is worthless.

Actually the part about the victims not getting a penny in the event of an accident is wrong. If I remember correctly there is some EU directive that caters for uninsured driver accidents as it is not fair on the victim that they have to pay all costs for something they had nothing to do with.
Under the directive if an uninsured driver causes an accident, the EU will pay out the compensation for the victim but the driver will have a hefty prison sentence ahead of them.

With regards to the original question, waht the girlfriend is doing is breaking one of the 6 principles of insurance which is constituted as fraud and a very serious crime. Depending on the solicitors involved the gf could claim that your mates father was in on it and drag them both down. YOur better off informing the father and be done with it.

Insurable Interest:
If an insured wishes to enforce a contract of insurance before the Courts he must have an insurable interest in the subject matter of the insurance, which is to say that he stands to benefit from its preservation and will suffer from its loss.
In non-marine insurances, the insured must have insurable interest when the policy is taken out and also at the date of loss giving rise to a claim under the policy.

seamus

brownacid wrote: »

Actually the part about the victims not getting a penny in the event of an accident is wrong. If I remember correctly there is some EU directive that caters for uninsured driver accidents as it is not fair on the victim that they have to pay all costs for something they had nothing to do with.
Under the directive if an uninsured driver causes an accident, the EU will pay out the compensation for the victim but the driver will have a hefty prison sentence ahead of them.

There is a body which looks after compensation the victims of uninsured drivers, and it's better than getting nothing, but it's still a painful process and if someone is badly injured they will have to stump up a lot of their own cash up front before they get compensated.

E39MSport

brownacid wrote: »

Actually the part about the victims not getting a penny in the event of an accident is wrong. If I remember correctly there is some EU directive that caters for uninsured driver accidents as it is not fair on the victim that they have to pay all costs for something they had nothing to do with.
Under the directive if an uninsured driver causes an accident, the EU will pay out the compensation for the victim but the driver will have a hefty prison sentence ahead of them.

Indeed, we're all chipping into a large pot of money when we pay our premium. It makes me puke. http://www.mibi.ie/

ardmacha

Truly bizarre. Apart from anything else as a woman she could have got insurance at a reasonable price on a smaller car, a bit less than a 2 litre Mondeo would do for your first car (that a smaller car wouldn't do reflects a lot about why Ireland is now the way it is). What does this car have in the window, an insurance disk with the wrong details or no insurance disk? Either way even a non eager Garda might take an interest and this is clear fraud, not just a grey area and therefore likely to attract the full attention of the legal system.

robtri

This Gf sounds like a right bit of work.....

So she has insured her boyfriends dad's car without his knowledge, and driving her own car under the presumption she is covered.

First question is who is the mondeo registered too???

secondly who is the named insured on the policy she has taken out? ( is it the BF and she is a named driver)

if it is herself, then she is more than likely driving uninsured... as virtually all open drive policies excludes other cars owned by the insured....

leeroybrown

Your post isn't 100% clear but it sounds like she's done what a couple of other posters have guessed above. If that's the case then your friend's girlfriend is driving around uninsured, committing insurance fraud and your friend is technically an accessory to this given that he knows what she's done. What's worse is that if she is involved in an accident the other parties involved will be left in limbo without a pay-out while the MIB process the uninsured claim. The MIB in turn will then litigate against her for recovery of the cost.

Your friend's father's policy should be fine as it's a valid policy in his name on a car he owns but some complications might arise. If a claim were to happen against his car he could end up stuck in a split liability argument involving two insurers until the second policy was deemed invalid.

Carlossainz73

This is so wrong, it looks wrong, sounds wrong, smells wrong.. all people involved without their knowledge deserve to know exactly whats going on.

SHE is some piece of work...

SlipperyPeople

is she hot?

Anywhichwaybut

Im new here. This sounds outrageous!

kbell

Tell your mates father, then tell your mate to get shot of the stupid cow.

Stealdo

This story doesn't make any sense - 2nd car on an insurance policy increases it, not the other way around.

What I think the OP is trying to get to is that she has said that there's a second car in the house owned by a named driver on the policy which would give her a discount. In this case the car involved is irrelevant and the actual owner is irrelevant, she will only have told them the engine size, make/model at most.

By the way - what's the big deal with two people having separate insurance policies on the same car? There's nothing fraudulent about that. If she's lied on her insurance proposal it can't affect someone else's policy.

Stephen

You have to have an insurable interest in the car you take a policy out on - i.e. you have to be the owner. Otherwise your policy is bull$hit and worth absolutely nothing.

DaveD

gogs2006 wrote: »

Can anyone help with this situation...

My mate is 27 and is going out with a 20 year old who is convinced that the world revolves around her...

3 months ago she bought a 2.0 TDI Mondeo and then decided to check insurance quotes :rolleyes:

She discovered her quote was over €1500 so in a bid to reduce her insurance costs she decided to add a 2nd car in her boyfriends name.

My mate is unemployed and is unable to afford a car or the costs at the moment.We presumed that she had paid the full premium cost.

It now appears that she has added her boyfriends Fathers car to her policy claiming her boyfriend is the registered owner of this car!!!!

His father is unaware of the situation!!!!!

I have tried explaining to my mate that this highly illegal and that his father's policy is now Void and that he would be held responsible for Insurance fraud..

My mate assures me that his girlfriend has spoken to her insurance company and they have given their approval.......

I'am considering informing my mates father of the matter as i have great respect for the man and i would hate to see him being held responsible for her childish actions....

Is it possible to report this matter to her insurance company without landing my mates father in the crap??????[

Get her policy number off the windscreen if you can and call the insurance confidential line and tell them whats going on. You don't need to tell them who you are.

1890 333 333.

Seth Brundle

How would having two cars on one policy reduce the policy price? Adding another drive may reduce it (mine reduces when I add 'er indoors) but I can't add her car to my policy.

Top Dog

Stephen wrote: »

You have to have an insurable interest in the car you take a policy out on - i.e. you have to be the owner. Otherwise your policy is bull$hit and worth absolutely nothing.

Not true. You don't have to be the registered owner at all, you just have to have a genuine insurable interest in the vehicle.

Say for example my sister was going travelling abroad for 6 months. She doesn't want to sell her car while she's away as it would be handy to have it waiting for her on her return. There's no reason in the world why I couldn't insure the car while she's away to take it for the odd spin and keep it in running order for her. She wouldn't have to re-register it to me for this to happen.

However, in the OP's situation it definitely sounds like the girl is driving uninsured, though I'm still unable to fully understand what she's trying to do with the fathers car being mentioned. Unless she's only mentioned that a second car in the same household is insured with the company in which case she could get a discount on her own policy.

rocknchef

why are you getting involved its nothing to do with you and your mate doesnt seem to give a toss. no point falling out with your mate as the skirt will always win when it boils down to it.

pablosd

but sure u can insure any item twice no bother....in case of the claim, both insurers go havles on the claim, its simple as that, i think its the principle of insurance indemnity

seamus

Top Dog wrote: »

Not true. You don't have to be the registered owner at all, you just have to have a genuine insurable interest in the vehicle.

Say for example my sister was going travelling abroad for 6 months. She doesn't want to sell her car while she's away as it would be handy to have it waiting for her on her return. There's no reason in the world why I couldn't insure the car while she's away to take it for the odd spin and keep it in running order for her. She wouldn't have to re-register it to me for this to happen.

You would only get third-party insurance on it though. You cannot insure it for fire or theft because you have no insurable interest in the vehicle itself, only in your driving of it.

lau1247

why on earth would she want to do that??

sound like too much hassle to fork out 1500 for insurance..
I mean the risk involved should something happen.

Carlossainz73

Simple motto.. "Ditch the bitch and loose the Itch"..
It simple really.. If there is a genuine concern to be answered about this or any policy then who better to answer than the insurance company, phone up and run the situation by them.. they will respond with yeah or neah.

Sorted

Top Dog

seamus wrote: »

You would only get third-party insurance on it though. You cannot insure it for fire or theft because you have no insurable interest in the vehicle itself, only in your driving of it.

Personal experience says you're wrong there I'm afraid. I had my wifes car insured fully comp for over a year with no problems (with her as a named driver on the policy even though she wasn't driving at all at the time), and the insurance company were well aware of the fact that I wasn't the registered owner.

Maybe it was the fact that we were married though that meant I legitimately had an insurable interest in the car (joint assets)?

robtri

Top Dog wrote: »

Maybe it was the fact that we were married though that meant I legitimately had an insurable interest in the car (joint assets)?

Bingo..... thats the insurable interest......

Insurable interest doesn't have to be the owner, just have some reasonable connection, it is like I can take a life insurance policy out on my wife, but can't take an insurance policy out on say Halle Berry......

seamus

Top Dog wrote: »

Maybe it was the fact that we were married though that meant I legitimately had an insurable interest in the car (joint assets)?

Correct. Family assets are always pooled. You'll notice that when you have open drive, your insurance policy will state that you are covered to drive any vehicle other than the one on the certificate, provided that it doesn't belong to you or your spouse. Legally what's yours is hers and what's her is hers
It's not just a saying.