My name and address been used on insurance

40now

(not sure if this is in the right place so feel free to move)
I split up with my ex nearly 2 years ago and the other day I got an AXA letter in the post addressed to her, she read it but forgot to take it with her so I had a look, she still has me down as a named driver as I have a full licence and she is using my address, I do not want to be associated with this car in any way as I do not have or want the use of it.
I said this to her and she told me shes using my details as she has no licence and hasn't had one in 6 years when her third provisional expired and leaving everything the way it is suits her, now my question is, how can I remove my name and address from this insurance policy as she wont do it.
I don't have any insurance policy numbers, all i have is the car reg details, thanks in advance for any advice.

TwoShedsJackson

How is she getting it renewed if she can't give them a valid licence number?

That aside, ring the insurance company and explain the situation as you told us - you have split up, you have no desire to be on her policy, she does not live at (and nor does the car) at your address any longer.

I wouldn't bother saying anything about the licence, probably, that's between her and the insurance company really.

oldyouth

You ex is already in deep do dah if (when) her situation comes to light. As for contacting the insurance company, they shouldn't discuss anything with you, as you are not the policyholder.

I only see a trip to the Gardai or a solicitors letter as solutions

corktina

all you need do surely is return the letter to Axa and say there had been a "mistake" and you shouldn't be a named driver and the address is wrong and should be "xyz".. They can do as they please then and you have that policy at arms length.

JillyQ

40now wrote: »

(not sure if this is in the right place so feel free to move)
I split up with my ex nearly 2 years ago and the other day I got an AXA letter in the post addressed to her, she read it but forgot to take it with her so I had a look, she still has me down as a named driver as I have a full licence and she is using my address, I do not want to be associated with this car in any way as I do not have or want the use of it.
I said this to her and she told me shes using my details as she has no licence and hasn't had one in 6 years when her third provisional expired and leaving everything the way it is suits her, now my question is, how can I remove my name and address from this insurance policy as she wont do it.
I don't have any insurance policy numbers, all i have is the car reg details, thanks in advance for any advice.

I think a trip to the local garda station maybe in order.

Cleveland Hot Pocket

If you have the letter then I would call the insurance company.
Not sure if they can speak to named drivers or not.

Surely they must be able to remove drivers at the request of that driver.

If not, then give them a "tipoff" that the policyholder doesnt reside with you and neither does the car.

Cleveland Hot Pocket

JillyQ wrote: »

I think a trip to the local garda station maybe in order.

What will that achieve?

"It's a civil matter, call the insurance company or a solicitor"

Would be my guess anyway.

Kopparberg Strawberry and Lime

Cleveland Hot Pocket wrote: »

What will that achieve?

"It's a civil matter, call the insurance company or a solicitor"

Would be my guess anyway.

Insurance fraud and driving without a licence is most certainly not a civil matter

Gardai should be informed aswell as company of all details.

Cleveland Hot Pocket

Kopparberg Strawberry and Lime wrote: »

Insurance fraud and driving without a licence is most certainly not a civil matter

Gardai should be informed aswell as company of all details.

You don't have proof that she has been driving without a license though. Just because there is a policy doesn;t mean she has been driving. (In all likelihood yes, but no proof)


Insurance fraud? Not sure where the fraud is in not updating an address.

Kopparberg Strawberry and Lime

Cleveland Hot Pocket wrote: »

You don't have proof that she has been driving without a license though. Just because there is a policy doesn;t mean she has been driving. (In all likelihood yes, but no proof)


Insurance fraud? Not sure where the fraud is in not updating an address.

Knowingly setting up a policy incorrectly in order to achieve a better price is definitely insurance fraud. (Its always cheaper to have a spouse or husband with a full licence)

The address does indeed come into play aswell. If for example. OP lives in a lovely area of dalkey and there is a low insurance rating there. He might get better rates.

His ex partner moves to ballymun or finglas where its a higher risk thus upping the price. She refuses to change the address due to a hike in price is also insurance fraud.

It would be easy to get proof i imagine. Find out what time she leaves for work using the car and call the gardai in a safe manner stating you see an unlicensed driver with invalid insurance driving a motor vehicle in a public place and give them details to follow it up

Should be very easy for her to get caught (hopefully)

Cleveland Hot Pocket

Kopparberg Strawberry and Lime wrote: »

Knowingly setting up a policy incorrectly in order to achieve a better price is definitely insurance fraud. (Its always cheaper to have a spouse or husband with a full licence)

The address does indeed come into play aswell. If for example. OP lives in a lovely area of dalkey and there is a low insurance rating there. He might get better rates.

His ex partner moves to ballymun or finglas where its a higher risk thus upping the price. She refuses to change the address due to a hike in price is also insurance fraud.

It would be easy to get proof i imagine. Find out what time she leaves for work using the car and call the gardai in a safe manner stating you see an unlicensed driver with invalid insurance driving a motor vehicle in a public place and give them details to follow it up

Should be very easy for her to get caught (hopefully)

While I agree with catching unlicensed drivers, surely this is a little too far. Stalking? Really?

Kopparberg Strawberry and Lime

Cleveland Hot Pocket wrote: »

While I agree with catching unlicensed drivers, surely this is a little too far. Stalking? Really?

Not at all. I imagine op already know where she lives (to an extent) or would be easy just to obtain an address and just pass the information on.

Doesnt mean he has to follow her to work as i imagine he already knows where she works.

Could always just give the garda her finish time and job location. Thankfully op wont have to get that information as he probably already knows it.

Cabaal

I'd give her the options,

She can remove you from her insurance OR you will report her for driving without a license,

Of course even if she does remove you I'd still report her for driving without a license, you don't know who she might hit in the morning....do you really want to be the person that could have stopped it?

Oh and as already mentioned, she is of course committing insurance fraud....you do not want to be linked to this!

Cabaal

Cleveland Hot Pocket wrote: »

You don't have proof that she has been driving without a license though. Just because there is a policy doesn;t mean she has been driving. (In all likelihood yes, but no proof)

She said herself

I said this to her and she told me shes using my details as she has no licence and hasn't had one in 6 years when her third provisional expired and leaving everything the way it is suits her

So given its her car and her insurance I'd say its very much so a case that she is likely driving without a license,

Bottom line is thats something the Gardai can easily check

If she hit into you in the morning I'm sure you'd be just thrilled that nobody did anything about her driving uninsured

djimi

Just tell her that she is basically flushing money down the drain by continuing to pay this policy. If she tries to claim, it will be rejected* for (at least) two reasons:

1) Her not having a license and,

2) The car is no longer being kept at the address on the policy (it must be stored there I think four nights a week).

*Third party claims wont be rejected, however it is likely that the insurer will pursue her legally to recover any money paid out on her behalf.

As for your involvement, the only way it will affect you at all is that if anyone is trying to contact her via the insurance company they will come looking for her at your address first. Once the policy is in her name it wont affect you; just tell them she no longer lives there (you can even return any posted correspondance as "not at this address").

djimi

Cabaal wrote: »

If she hit into you in the morning I'm sure you'd be just thrilled that nobody did anything about her driving uninsured

Shes not uninsured in fairness; if she hits someone then the insurer still pays out the third party claim. They will deal with her as a separate matter.

JillyQ

Cleveland Hot Pocket wrote: »

What will that achieve?

"It's a civil matter, call the insurance company or a solicitor"

Would be my guess anyway.

It's fraud. Also driving without a valid drives licence comes under the duristicition of the gardai. As far as I am aware driving without a valid licence will invalidate the vast majority of policies.

djimi

JillyQ wrote: »

It's fraud. Also driving without a valid drives licence comes under the duristicition of the gardai. As far as I am aware driving without a valid licence will invalidate the vast majority of policies.

You cant invalidate a motor insurance policy; not from a third party point of view anyway. Once the policy is active at the time of the claim (ie hasnt been cancelled by the insurer prior to the claim being made) then the third party portion of the claim must be paid. The insurer can refuse to pay out the first party portion of the claim and can pursue the policy holder for the amount paid out to the third party, but the policy itself is still valid.

Indricotherium

Setting aside the license and address issue;

Is it fraud to name a person on a policy without telling them in order to get a better rate?

I can't see how it is.

djimi

Indricotherium wrote: »

Setting aside the license and address issue;

Is it fraud to name a person on a policy without telling them in order to get a better rate?

I can't see how it is.

I wouldnt have thought that it is. All you are really doing is giving them permission to drive your car under your policy; they have no direct involvement in the policy other than that.

Cleveland Hot Pocket

JillyQ wrote: »

It's fraud. Also driving without a valid drives licence comes under the duristicition of the gardai. As far as I am aware driving without a valid licence will invalidate the vast majority of policies.

"Do you, or have you ever held"
She has "ever held" a provisional, so insurance would not be invalid on those grounds.

Plus, you can not ever invalidate third party insurance.

Kopparberg Strawberry and Lime

Cleveland Hot Pocket wrote: »

"Do you, or have you ever held".

I doubt thats the case... id say if a company does ask that exact question that it might be for cases where someone was banned before

But they would follow up by asking what they currently have

Cleveland Hot Pocket

Kopparberg Strawberry and Lime wrote: »

I doubt thats the case... id say if a company does ask that exact question that it might be for cases where someone was banned before

But they would follow up by asking what they currently have

Doubt all you want.
Then go look up any proposal form or online quote system.

Anyway, invalidating third party insurance is not possible, regardless, so this is a moot point. But for your own information I suggest looking up what I posted above.

Kopparberg Strawberry and Lime

djimi wrote: »

I wouldnt have thought that it is. All you are really doing is giving them permission to drive your car under your policy; they have no direct involvement in the policy other than that.

They are reducing the premium. They would no longer be partners and thus would not be eligible for the discount and would be lying on the policy in order to avail of a cheaper quote.

In that case it is fraud

Cleveland Hot Pocket

Kopparberg Strawberry and Lime wrote: »

They are reducing the premium. They would no longer be partners and thus would not be eligible for the discount and would be lying on the policy in order to avail of a cheaper quote.

In that case it is fraud

Not lying if you name someone on a policy.
Doesn't mean that they are actually driving the vehicle - just that they have explicit insurance should they do so.

uck51js9zml2yt

Just tell them she doesn't live at that address. No need to go on into details. Ask to be removed from the policy.. Simples.

djimi

Kopparberg Strawberry and Lime wrote: »

They are reducing the premium. They would no longer be partners and thus would not be eligible for the discount and would be lying on the policy in order to avail of a cheaper quote.

In that case it is fraud

Named drivers reducing the premium has nothing to do with them being partners. You can make anyone you like on the policy and the premium will be adjusted accordingly (up or down) to reflect the revised combined risk.

If you are getting a discount based on a partner also holding a policy with the same company then that might be different issue, but even then you just need to drop a name, it doesn't involve or affect the other person at all.

Cleveland Hot Pocket

Jose Flat Vermin wrote: »

Just tell them she doesn't live at that address. No need to go on into details. Ask to be removed from the policy.. Simples.

Will they talk to you though as you aren't the policy holder.

Kopparberg Strawberry and Lime

djimi wrote: »

Named drivers reducing the premium has nothing to do with them being partners. You can make anyone you like on the policy and the premium will be adjusted accordingly (up or down) to reflect the revised combined risk.

If you are getting a discount based on a partner also holding a policy with the same company then that might be different issue, but even then you just need to drop a name, it doesn't involve or affect the other person at all.

If you add your wife you get a discount. Simple as. I do this everyday.... if you add a young male driver the price goes up

By keeping the ex boyfriend or husband they are availing of a discount that does not apply to them.

So she would be lying in order to avail of a cheaper quote.

Kopparberg Strawberry and Lime

Cleveland Hot Pocket wrote: »

Not lying if you name someone on a policy.
Doesn't mean that they are actually driving the vehicle - just that they have explicit insurance should they do so.

But they fact she saying their partners is lying.

You can name anyone you want indeed but when you say partner you get a discount which is the problem

Cleveland Hot Pocket

Kopparberg Strawberry and Lime wrote: »

If you add your wife you get a discount. Simple as. I do this everyday.... if you add a young male driver the price goes up

By keeping the ex boyfriend or husband they are availing of a discount that does not apply to them.

So she would be lying in order to avail of a cheaper quote.

I could name you on my policy.
You could never drive the car, but it still wouldnt be fraud.

You don't seem to be getting this.

Kopparberg Strawberry and Lime

Cleveland Hot Pocket wrote: »

I could name you on my policy.
You could never drive the car, but it still wouldnt be fraud.

You don't seem to be getting this.

Your correct in that statement

But if you said i was your partner in order to get it cheaper then it would be fraud

h2005

I'd tell her to sort it out immediately before you drop her in the ****. You must be on half decent terms if shes calling around for mail.

Cleveland Hot Pocket

Kopparberg Strawberry and Lime wrote: »

Your correct in that statement

But if you said i was your partner in order to get it cheaper then it would be fraud

Yes but you don't know what was said by the OP.
I've named partners on my insurance policies through the years. They are always just named, not named as "partner".
You normally have options like "Spouse/Family/Other" and I selected other. OP could have done the same.

djimi

Kopparberg Strawberry and Lime wrote: »

Your correct in that statement

But if you said i was your partner in order to get it cheaper then it would be fraud

Youre missing the point. In terms of named drivers, you are not getting a discount because she is your wife, you are getting a reduction in the premium because by adding a female to the policy the overall risk is perceived to be lower. Add your female next door neighbour to the policy and the effect will be the same.

Kopparberg Strawberry and Lime

djimi wrote: »

Youre missing the point. In terms of named drivers, you are not getting a discount because she is your wife,

You actually are.

I do this every day !

Kopparberg Strawberry and Lime

Cleveland Hot Pocket wrote: »

Yes but you don't know what was said by the OP.
I've named partners on my insurance policies through the years. They are always just named, not named as "partner".
You normally have options like "Spouse/Family/Other" and I selected other. OP could have done the same.

If other is selected then its perfectly fine

But if its still partner then it would be incorrect and thus availing of a discount not applicable to her

Cleveland Hot Pocket

Kopparberg Strawberry and Lime wrote: »

You actually are.

I do this every day !

You actually aren't.
I think this could be a case of you being a misinformed CSR rather than actuality.

The discount is given because you are naming another driver. Some companies give multicar discounts but I don't think that is what is at play here.

djimi

Kopparberg Strawberry and Lime wrote: »

You actually are.

I do this every day !

Then why are you confusing the matter?

Cleveland Hot Pocket

Kopparberg Strawberry and Lime wrote: »

If other is selected then its perfectly fine

But if its still partner then it would be incorrect and thus availing of a discount not applicable to her

As stated, most insurance companies operating in Ireland don't list partner as an option.
I know, I play this game year in year out! When you've as many cars as I have had in the past and so many concurrently on the road and insured you get to know the quote sites like the back of your hand

Kopparberg Strawberry and Lime

Cleveland Hot Pocket wrote: »

You actually aren't.
I think this could be a case of you being a misinformed CSR rather than actuality.

The discount is given because you are naming another driver. Some companies give multicar discounts but I don't think that is what is at play here.

They actually call it spouse /partner discount.

As in they wouldnt get the same discount if it was brother or sister or parent /child.

Cleveland Hot Pocket

Kopparberg Strawberry and Lime wrote: »

But im sitting in an insurance company at the moment and i tell people to add them partners and spouses because it is cheaper.

They actually call it spouse /partner discount.

As in they wouldnt get the same discount if it was brother or sister or parent /child.

they op mentioned axa and their one that i deal with with these discounts for partner....

Ok well, that must be one company that specifically provides a "partner" in addition to spouse offer. That's an exception. I don't recall specifics but I'd hazard a guess at >90% that state "Spouse/Family/Other" as the options.

MugMugs

Kopparberg Strawberry and Lime wrote: »

You actually are.

I do this every day !

Cleveland Hot Pocket wrote: »

You actually aren't.
I think this could be a case of you being a misinformed CSR rather than actuality.

The discount is given because you are naming another driver. Some companies give multicar discounts but I don't think that is what is at play here.

The theory behind the discount or reduced premium for a named driver comes down to "Dual Indemnity"

If I name my partner on my policy and she has another Insurance policy for her own car with a Third Party Extension then the third party risk whilst she is using my vehicle is halved as my Insurer will pay 50% of the Third party costs and her insured will pay the other 50%


To address the OP.

If you are a named driver then you can speak to AXA.

Call them, clear Data Protection and advise them of exactly what is going on. Then request that they remove you from that policy. Take the agents name and take note of it and your concious is well and truly clear.

oldyouth

MugMugs wrote: »

To address the OP.

If you are a named driver then you can speak to AXA.
.

No you cannot. A named driver has no rights to the policy and to deal with a named driver is a breach of confidentiality

bmwguy

Reading this just got me thinking, how much checks do insurance companies do when setting up a policy? This lady is presumably using her expired licence on the policy as the policy is in her name (in addition to the OPs licence to keep price down). Do insurers check against a driver licence database at all for expired licences ? I ask because in 2011 my insurance renewed with a licence that was out of date for 4 months, which I didn't realise, I renewed it immediately. In fairness it was 10 years! Similarly for penalty points and endorsements, is the principle of "utmost good faith" still as relevent today with all our IT availability as it was in the past? Will an insurer always accept your money and grant you a policy and are checks just done in the event of a pay out situation?

MugMugs

oldyouth wrote: »

No you cannot. A named driver has no rights to the policy and to deal with a named driver is a breach of confidentiality

We can go around in circles all day long with yes you can, no you can't.

OP, call AXA, give the policy number and your details. They'll speak to you.

oldyouth

bmwguy wrote: »

Reading this just got me thinking, how much checks do insurance companies do when setting up a policy? ?

Very little done at inception. Unless the trained handler sees something obvious (e.g forgery), it will be processed normally.

A lot of effort and expertise goes in to examining the proposal form and supporting documents in the event of a claim.

It is the easiest thing in the world to obtain an insurance policy and extremely difficult to get a claim paid if you have been naughty

djimi

MugMugs wrote: »

We can go around in circles all day long with yes you can, no you can't.

OP, call AXA, give the policy number and your details. They'll speak to you.

Can you explain how it is not against data protection laws for a named driver to be given information about a policy that is not in their name, and be allowed to make changes to said policy?

bmwguy

djimi wrote: »

Can you explain how it is not against data protection laws for a named driver to be given information about a policy that is not in their name, and be allowed to make changes to said policy?

Their name is on it? Not 100% on the legal ruling here but it certainly affects the OP and he has a right to it

MugMugs

djimi wrote: »

Can you explain how it is not against data protection laws for a named driver to be given information about a policy that is not in their name, and be allowed to make changes to said policy?

Where did I say that they'd give the OP information relevant to the Policy Holder?

I also advised that he "ask" that they remove him from the Policy.

Would you like me to define ask for you? If you "ask" me nicely, I will.

A named driver calling to discuss their element of a policy is not a Data Protection breach. True story !

Tail Docker

Kopparberg Strawberry and Lime wrote: »

Knowingly setting up a policy incorrectly in order to achieve a better price is definitely insurance fraud. (Its always cheaper to have a spouse or husband with a full licence)

The address does indeed come into play aswell. If for example. OP lives in a lovely area of dalkey and there is a low insurance rating there. He might get better rates.

His ex partner moves to ballymun or finglas where its a higher risk thus upping the price. She refuses to change the address due to a hike in price is also insurance fraud.

It would be easy to get proof i imagine. Find out what time she leaves for work using the car and call the gardai in a safe manner stating you see an unlicensed driver with invalid insurance driving a motor vehicle in a public place and give them details to follow it up

Should be very easy for her to get caught (hopefully)

You do indeed.