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Can someone add you as named driver without consent?

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  • 07-04-2021 12:57pm
    #1
    Henry.
    Closed Accounts Posts: 26 ✭


    Can someone add you to their policy without your knowledge ?

    In the context of getting cheaper insurance

    Hypothetical question , came up in conversation thanks


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    #2
    L1011
    Moderators, Business & Finance Moderators, Motoring & Transport Moderators, Society & Culture Moderators Posts: 67,816 Mod ✭✭✭✭L1011


    If they find an insurer that still doesn't verify licences, they could do it. Breaches the general Utmost Good Faith principle so they'd be in a very dodgy position if claiming.

    Since the recent epidemic of completely fictional "insured drivers" being involved in staged 'accidents', most insurers that didn't care about getting licence scans now do.


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    #3
    veetwin
    Registered Users Posts: 2,003 ✭✭✭veetwin


    In theory yes but the insurance company will usually need to see a copy of that person's Driving Licence front and back


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    #4
    Henry.
    Closed Accounts Posts: 26 ✭Henry.


    So would they need to verify this with the named driver ?


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    #5
    [Deleted User]
    Posts: 0 ✭ [Deleted User]


    When adding my daughter to my policy I had to provide a copy of her permit back and front, and she also had to sign a declaration of some kind.


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    #6
    messrs
    Registered Users Posts: 1,853 ✭✭✭messrs


    When I got my first insurance few years ago I put 2 of my brothers on it to bring down the premium and I had to send in copies of the front and back of both their driving licence. I would have thought that all insurance companies would request this :confused:


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    #7
    L1011
    Moderators, Business & Finance Moderators, Motoring & Transport Moderators, Society & Culture Moderators Posts: 67,816 Mod ✭✭✭✭L1011


    Henry. wrote: »
    So would they need to verify this with the named driver ?

    The majority of insurers will need to get a scan of the users driving licence. If someone can temporarily lift your licence they can get around this, but you have bigger problems then.

    Some insurers didn't ask for a licence scan, but many that didn't ask have begun to.


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    #8
    Buddy Bubs
    Registered Users Posts: 3,505 ✭✭✭Buddy Bubs


    L1011 wrote: »
    The majority of insurers will need to get a scan of the users driving licence. If someone can temporarily lift your licence they can get around this, but you have bigger problems then.

    Some insurers didn't ask for a licence scan, but many that didn't ask have begun to.

    I put the GF as named driver on my car, she gave me her driving licence I scanned it over to the insurer, but I am sure I could get hold of her driving licence without her knowledge and do it if I really wanted to. They didnt ring her or anything to check if she knew anything about it.
    Likewise, I could get hold of my parents licences handy enough.
    So yeah, could easily be done and I dont believe insurers would check.


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    #9
    L1011
    Moderators, Business & Finance Moderators, Motoring & Transport Moderators, Society & Culture Moderators Posts: 67,816 Mod ✭✭✭✭L1011


    Buddy Bubs wrote: »
    I put the GF as named driver on my car, she gave me her driving licence I scanned it over to the insurer, but I am sure I could get hold of her driving licence without her knowledge and do it if I really wanted to. They didnt ring her or anything to check if she knew anything about it.
    Likewise, I could get hold of my parents licences handy enough.
    So yeah, could easily be done and I dont believe insurers would check.

    Fraudulently obtaining and presenting someones driving licence is likely an actual criminal offence, so rather more to work from for an insurer.


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