HPI Check

Martynt74 · 3 May 2019 at 12:45

Hi

I'm trying to find details to prove change of ownership for a vehicle. Is this something a HPI would show? Want to check before paying. Also seems there's a range of checks ranging from ~£3 up to £15. Any difference between the companies?

Background
My stepson had a weird situation at work where the owner bought a car on the agreement to maintain it but to avoid taxes etc it was put in my stepsons name (all really dodgy!). So the insurance was in his name but paid for by the company.

He had an accident in the car shortly prior to leaving the company. The insurance company are now saying that he's liable for costs because he wasn't the registered owner of the vehicle at the time of the crash (he was) and i can only assume his previous boss has lied about the change of ownership. Foolishly we gave her the V5 without keeping the slip so i'm assuming at some point she has filled it out on his behalf to swap it over to her name and back dated it.

Cheers

Ahleckz · 3 May 2019 at 15:50

A HPI will only show you the start date of the current keeper. Trust me the reg and I'll get it for you if you want.

Martynt74 · 3 May 2019 at 15:54

Very kind of you pal. Have done that.

We're going to send that form to the DVLA (V888?) but in the meantime seeing the date it's been swapped over will be a great starting point.

muon · 4 May 2019 at 12:40

Who is the insurance company dealing with?

Who is the policyholder for the insurance policy and who told you the insurance company want you to pay for costs?

If there is genuine application fraud then it is all on the policyholder, i.e. the person that answered the questions, administers and paid for the policy.

Scania · 4 May 2019 at 13:20

He’s liable for costs because he wasn’t the registered keeper?

I’d be replying along the lines of ok, split it with the rest of the population who also weren’t.....

Martynt74 · 4 May 2019 at 17:51

He was the registered keeper. That’s the issue here. The car was bought in his name and as per the HPI check @Ahleckz sebt me it was only transferred over on the 29th April.

There’s a lot more going on in the background here where my stepson is 100% at fault. But I think his ex boss is letting her emotions overrule everything else and not actually thinking. Although having spoken to her she’s doesn’t seem particularly bright.

Martynt74 · 4 May 2019 at 17:56

muon said:
Who is the insurance company dealing with?

Who is the policyholder for the insurance policy and who told you the insurance company want you to pay for costs?

If there is genuine application fraud then it is all on the policyholder, i.e. the person that answered the questions, administers and paid for the policy.

Insurance company sent him a letter stating he wasn’t covered as he wasn’t the registered owner. The insurance is in his name. But paid for by the company.

My wife has spoken to the company and it seems his ex boss has lied and said he wasn’t the registered keeper. But can’t give us too many details so difficult to know where we stand.

muon · 4 May 2019 at 22:13

Marvt74 said:
Insurance company sent him a letter stating he wasn’t covered as he wasn’t the registered owner. The insurance is in his name. But paid for by the company.

My wife has spoken to the company and it seems his exboss has lied and said he wasn’t the registered keeper. But can’t give us too many details so difficult to know where we stand.

So the insurance company are talking to his ex-boss who gave them incorrect information.

So that just needs to be cleared up then. I'm guessing the ex-boss took the question to mean who owned the car.

Remember it will also mean that damage to the vehicle won't be paid for and the owner of the vehicle (presumably the ex-boss) will be out of pocket.

You need to reply back to the letter stating they are incorrect and your stepson was the registered keeper. If you need evidence of this then the DVLA will give this to you. You have nothing to worry about.