Soldato
- Joined
- 3 Jun 2005
- Posts
- 5,365
- Location
- West Sussex
Before we start I know I am a naive muppet.
I am 39 and have been divorced 7 years. I have had a few relationships since then. At my age I generally meet ladies that are separated/divorced. They have generally relied on husbands company cars or been named drivers.
I mostly have 2 cars, my diesel which is my daily car and I like to have a petrol Alfa as I am a major fan.
Being far too generous I have helped previous partners out by adding them to my insurance as a named driver when they don't have wheels of their own. With two cars I have let them use my other one when they needed it.
Anyway to cut to the chase, I have been receiving debt collection letters over the last few months for policies I never had. I assumed it was a mistake at first then became suspicious.
I still don't know who has done it (1 of 2 people) but it seems a previous partner has got access to a NCB proof letter. Having none of their own it has been far cheaper to take policies out in my name and add themselves as named drivers.
They have even paid the deposit and set up direct debits in their accounts. At no point does it appear it has been questioned. Then when they have failed to pay they have sent collectors out for the policy holder.
I have now had telephone conversations with Elephant, Admiral and Sheila's wheels. None of them will investigate and due to data protection give me any details about the person who paid the deposit and direct debits.
The police are not interested and say it is a civil matter due to possible previous relationship. No idea at present how I will sort this mess out as I now have a load of cancelled policies against my name.
Just a heads up for those who add partners as named drivers. They can easily get to your policy details and nobody seems to care!
I am 39 and have been divorced 7 years. I have had a few relationships since then. At my age I generally meet ladies that are separated/divorced. They have generally relied on husbands company cars or been named drivers.
I mostly have 2 cars, my diesel which is my daily car and I like to have a petrol Alfa as I am a major fan.
Being far too generous I have helped previous partners out by adding them to my insurance as a named driver when they don't have wheels of their own. With two cars I have let them use my other one when they needed it.
Anyway to cut to the chase, I have been receiving debt collection letters over the last few months for policies I never had. I assumed it was a mistake at first then became suspicious.
I still don't know who has done it (1 of 2 people) but it seems a previous partner has got access to a NCB proof letter. Having none of their own it has been far cheaper to take policies out in my name and add themselves as named drivers.
They have even paid the deposit and set up direct debits in their accounts. At no point does it appear it has been questioned. Then when they have failed to pay they have sent collectors out for the policy holder.
I have now had telephone conversations with Elephant, Admiral and Sheila's wheels. None of them will investigate and due to data protection give me any details about the person who paid the deposit and direct debits.
The police are not interested and say it is a civil matter due to possible previous relationship. No idea at present how I will sort this mess out as I now have a load of cancelled policies against my name.
Just a heads up for those who add partners as named drivers. They can easily get to your policy details and nobody seems to care!
