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?

If he lies it’s fraud and could potentially end up in prison

I have never been asked to provide evidence. I have never made a claim either. Although now, as a middle-aged woman driver, I am probably low risk. I always assumed all that information was shared

@Tartyflette this may be true in some cases but I am already using the full ncd myself so 2 people can't have it. Although I think I read somewhere that a named driver when taking out their own policy may be allowed a bit of credit.

@Namechangr9000 most of the time when they don't get you to send it, it's because your previous company is under the same umbrella company and the can just check through their own system. For example, Directline, Churchill, Privilege and several others are all through the same company. The call handlers know which company each customer is calling for by the code that shows on the system and quotes accordingly. In theory you could phone each company and speak to the same person for every one. The system they use to quote and manage policies is the same, exactly the same. When a new policy is taken up, they only need to see proof if it's not one of their own companies, otherwise the system cross checks itself.

Ive used 3 insurance companies. They all ask for evidence. If he's happy to lose his money....

There’s a central database that all insurers can use to check all details regarding insurance including NCD. Lying on insurance is a bad idea

Your insurance or someone else's will be higher because of his lie. If he gets away with it.

He will have to prove it, however if he was a named driver on your policy that often doesn’t count when trying to get your own insurance. I was a named driver on my mums car when I was a teenager and when I tried to get insurance in my own name, I couldn’t class the 3/4 years NC because it was my mums policy not mine. I suppose it’s the argument that you may have not driven the car based on you being an additional driver and not the main driver.

I have changed insurance companies several times and I have been asked to prove my NCD only once. I was told however that if I made a claim they would then look into it, implying that they could refuse the claim if the NCD was fake. I know that at least one of the companies was not connected to the previous one. When I moved from it they started that they couldn't confirm the previous NCD as they had not had it confirmed to them.

Lying to an insurance company is always a bad idea!

Sometimes they ask for proof but not always. I hope he gets caught out.

Don't they have some kind of shared database - so maybe they don't need to ask for evidence as they just access the database themselves to check?

@Grandadwasthatyou it took me a while to remember this with my ExH that it is no longer your circus and he is not your monkey. Any mistakes/foolish decisions he makes now are his own and he is best left to it.
He may get away with it he may not. If he doesn't the further you are from his decisions the better.

@Tartyflette

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?

If your DS owns his car and your DH is insuring it then you want to be careful you're not seen to be fronting

Home technology means it's very easy for people to forge their proof of NCD now, so the majority of insurers do their own checks via various databases. Unfortunately, there are still some crap insurers out there who don't check. Personally, I'd shop him if they don't pick it up.

I haven't been asked for my NCD proof for the last couple of years, but I have moved between admiral and diamond and I believe they are the same company so assume it's on their records anyway

The reason why insurance policies seem to go up every year is because of lying bastards like your ex-DH, OP.

Hope he gets caught when he cant provide evidence and his fucking policy is cancelled and he also forfeits his payment(s).

@Lonecatwithkitten .. you are of course right. It just makes me mad. I had to try numerous companies myself as I had had more than 1 accident in the past, despite one of them being when I wasn't even in the car and somebody rolled into me. I didn't even make a claim. I just informed my insurance company at the time as you are supposed to do. But I still paid the price.

^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^

You can build up a driving record of X years without an accident or claim, which probably won't translate into a formal NCD but could mean the premium is not that expensive.

I was a company car driver for 15 years and despite not having insurance in my own name in that time, so no NCD, I then bought my own car and the insurance was only about £250 because I was low risk as a 40 something woman in a small low insurance group car and a good driving record.

Best to be 100% honest with insurance companies because they know far more than you could ever imagine and they could use any omission as a reason to decline a claim if one arose.

If you are not asked for evidence, it means the insurance company have checked behind the scenes, not that they aren’t checking. There will be a database, same as there is for claims (We checked that once).

With 2 young adults who drive, we tend to move their insurance annually to get the best price, and every time, the new company says, we will ask you to send us proof of your NCD, if we can’t prove by other means. Which presumably alludes to a NCD database!

Op, some companies now count NCD years even for named drivers, so your ex might well be OK but he probably should check with whoever you were last insured with!

My friend’s DD was a named driver on her mums car for a couple of years when first driving, and I remember my friend saying the DD got a NCD allowance when she got her own car, so some insurance companies will definitely allow it.

Of course the NCD may be academic, depending how base premiums differ between company X and company Y, who all have their preferred type of client and price accordingly.

Anyone who has used a comparison site will have seen that the premiums returned often vary by an order of magnitude, so the amount you pay from company X who wants your business and charge a premium of £250 but won't recognise your time as a named driver on another policy as worthy of earning a NCD will cost less than the company who wants to charge you £1000 pa but will then give you a 60% NCD.

I was surprised when I didnt have to send proof of NCD (I certainly wouldnt lie about it) , it said somewhere in the form you may be asked and then later it said words along the lines of "in this instance we dont need proof of NCD" but makes sense if several insurance companies are part if a bigger group.

They check it everytime. Most insurance companies hold the info on a shared database so if they don’t ask for proof it’s because they found your info on the shared database not because they don’t check.

Insurers use the Claims Underwriting Exchange (CUE) database. It’s hold details of motor and home claims made.