Lying to car insurance company

[Grandadwasthatyou]

My ex dh has told me he is buying a new car and he has told the insurance company he has full no claims. This is not true. I was the policy holder when we were together and he was a named driver.
When we split up I bought a new car and had to prove to the new insurers that I had the 9 years ncd which I had put on my form.
He reckons they won't check and will just take it for granted that he has the maximum ncd which he has put on his form and therefore he will get a much cheaper premium.
Is this right? In which case why did I have to prove it?

Every time I've bought car insurance, they will give you a quotation on the information you provide, but once you sign the contract you have to produce the evidence from the previous company.

Plus, the minor point about the fact you are signing to say everything is true........

Yes, the will nearly always ask for evidence.

Proof of no claims will be requested. If not provided within the time limit either the premium will be adjusted or the policy cancelled.

I have always had to provide the proof of no claims. It sounds like he hasn’t bought insurance in his own name for a long time if he doesn’t know that.

They will ALWAYS check.

You normally need proof of NCD. Last time I moved insurer I had to download a document from my previous insurer to send to the new insurer.
He's going the right way to get his insurance declined which he then has to declare when taking out insurance in fulture which will make it harder (and more expensive) to get cover.

It's considered fraud to lie about ncbs and he'll go on a register so any insurance he wants will be really expensive and he'll have little to no choice in who insures him.Dick move.

All your answers are exactly what I have told him but oh no he insists 3 of his friends have never had to prove it.
We will see. I will be mad if for some reason he gets away with it.
But I doubt it as we all seem to be in agreement.
He seems to think that as soon as he's got to checkout on the screen and they've taken his payment then that's it. I told him that it is only later they ask for evidence but oh no he and his friends are right!

The last 2 times I have renewed car insurance I havent had to prove my NCD, but I wouldnt want to chance it.

My NCD knocks hundreds off my car insurance, I can't imagine for a minute they wouldn't check (they do every time I move companies anyway)

I don't understand how the majority of us say the insurance company definitely check but one poster says not. So if you lied to get a cheaper premium and then had an accident does the insurance company only then start checking?

They’ve checked mine every time

As a former insurance employee, a lot of insurers do check. But not all. If his company don't check, he might get away with it. But if he has a claim, then he will be invalidating his insurance. It's worth noting that some insurers check on the insurance database for previous policies. He is a fool to lie, if they invalidate his policy it's nigh on impossible to get another policy!

Renewed and changed insurers two weeks ago. New one didn't ask for proof of my full NCD, I even went online chat and asked if they wanted copy of my renewal letter and they said No. so I assumed they must be able to check on a central database somewhere.

Even if they did neglect to check or request proof, I would be very surprised if he was able to successfully claim on the policy without the lie being noticed. I was previously an accident claims handler and you'd be surprised how many companies use the exact same call center (in which employees have access to the information from each company, all compiled together on the same file). They could well plug in his details and find a previous claim and in that case he'd be very lucky to have the policy honored. Insurance companies really do love an excuse to deny assistance and I highly doubt that incorrect policy information wouldn't void it completely.

I've discovered that there are lots of insurance companies out there, some of which are actually all part of the same company. I had it a few years ago - did a price comparison check, which came up with the name of a company, considerably cheaper than my renewal. Phone original company to tell them not to 'auto renew' as I was moving to the other company and was told they were all part of the same company.

Might that be why you've not had to provide proof?

However, regardless, the consequence of being discovered, if you did somehow get past the first hurdle, means it is nigh on impossible to get insurance again for years. There is always that question "Have you, or any other driver named on this policy, ever been refused insurance" etc etc. I think it also carries over into ANY insurance policies, not just driving. It is the fraud side of it.

In the long run it will work out more expensive if he gets caught

Lots of insurance companies are members of a scheme where they share details of things like NCB rather then just taking your word for it.

Might be worth pointing out to that often it's only when a claim is made that they do a deep dive on your 'history' so even though he might think he's covered atm in the event of a fairly ordinary claim they might still refuse is something dodgy turns up

Renewed mine last week and they said they didn't need proof of NCD because they already had it!! Spooky big brother esque techno world we live in nowadays!

I'v never had my NCD checked but I still wouldn't lie about it

It's definitely not a done deal once they take your money either. I had a 'random spot check' on my licence a week or two after I had taken out car insurance. I suspect it was because I have a restricted licence through disability but have no evidence for that. It wasn't a problem but it was a nuisance.

I must say I don’t recall physically sending a copy of my NCD however they seem to know anyway. I’ll put the info (DH does this as he loves all that (I detest it 🤣) then I get an email saying ‘we’ve checked your NCD’

Sully man if he tries to lie to them. It’s so not where it for what? An extra fiver a month?

So for those saying they have never had their NCD checked do you think it has already been checked behind the scenes on some sort of database without them knowing?
I don't understand why all companies don't check as otherwise they will be losing a fortune on people paying cheaper premiums.

@Grandadwasthatyou

So for those saying they have never had their NCD checked do you think it has already been checked behind the scenes on some sort of database without them knowing? I don't understand why all companies don't check as otherwise they will be losing a fortune on people paying cheaper premiums.

Absolutely! They with check with the previous company.

I thought named drivers on some (Not all) motor insurance
company policies can accrue no claims discounts for themselves which can be transferred if and when they buy a policy in their own name with the same company.
I and DS are both named drivers on our motor policies, which are in DH's name, and i think that's the case with us. Perhaps it's an optional extra?