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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

Using my address?!

59 replies

Kungfupandaworksout16 · 05/08/2016 17:42

Got home today to a letter, too see my maiden name on it, open it and realise it was a letter addressed to my COUSIN for her car insurance and how she's renewed it at my address.
I was not told about this, and when I contacted her she told me " it's £15 per month cheaper at your address and too stop moaning"
I doubt if I had got that letter I would of had no clue her car was insured at my address
AIBU to be absolutley annoyed and WWYD about this situation?

OP posts:
SlinkyVagabond · 05/08/2016 18:09

She has a claim it will screw your premiums (if you both don't get done for fraud)

e1y1 · 05/08/2016 18:12

Yep, forget the money she has saved, she is NOT insured now.

Floggingmolly · 05/08/2016 18:13

Well, you've been told why this could have serious repercussions for both of you, op; so if you really plan on letting it go because you can't be bothered with the drama I'd wonder why you wasted your limited energy posting this in the first place?

NeedsAsockamnesty · 05/08/2016 18:13

A heads up that if you get any tax credits this will come up on data matching and trigger a compliance check

Jessbow · 05/08/2016 18:13

Ring the insurance company and tell them her correct address. No she wont like it , but she doesn't give much for your feelings , does she?

Is the reg doc in your address too? So fines & Etc will come to yours

Implications are not ones I'd want to contemplate.

fatcathatmat · 05/08/2016 18:15

Also (I'm not a lawyer and might be wrong here, but...) as you know about this, you'd effectively be allowing and and would therefore be an accessory to insurance fraud. If the police chose to prosecute you or her, you could end up with a criminal record and possibly community service or even a prison sentence:

www.marymonson.co.uk/useful-information/sentences-offences-fraud-act-2006-type-sentence-can-someone-expect-fraud-offence/

Monkeyinshoes · 05/08/2016 18:16

This is fraud. Call up the insurer and report it to their fraud department. Don't give her the insurance docs or rely on her to inform them. I'd also be wondering what address her car is registered at and what else she'll use your details for.

KitKat1985 · 05/08/2016 18:18

Please do tell her to sort this or call the company yourself. Now you know what she is doing you are basically going to be complicit in insurance fraud if you don't.

GloGirl · 05/08/2016 18:18

No way would I tolerate this, I'd give her 7 days to put it right and to prove it to me that she had or I would contact insurance company on her behalf. Take a picture of her letter so you can follow up with her details.

Original poster
Kungfupandaworksout16 · 05/08/2016 18:20

floggingmolly I'm getting advice, and as I said its half and half on my actions on what to do. Looks like with the information that's been put forward I'll be acting as it can have a come back on me.

This is the first letter ive gotten in regards to anything to do with her, would I get a letter if a car was registered to my house or? Is there anyway I can check this information without having to ask her

OP posts:
bunnyfuller · 05/08/2016 18:25

If you do not make her report, or report yourself, you are also guilty of fraud. You know she doesn't live at the address and you know she is claiming to do so falsely.

expatinscotland · 05/08/2016 18:30

I wouldn't bother saying another word to her about it. She's a cheeky chancer. I'd ring the insurer up right now and tell them she doesn't live there. You go along with this and you are colluding in the fraud.

RattusRattus · 05/08/2016 18:33

I would email her with your refusal so that if for whatever reason she doesn't do it immediately you have written proof that you told her as soon as you found out that you don't want her to do it.

Inertia · 05/08/2016 18:36

I'd call the insurance company and start from the position of querying whether there had been some kind of error. You clearly can't trust your cousin to tell the truth, but the possible implications for you in terms of letting this go are enormous.

WeAllHaveWings · 05/08/2016 18:36

My MIL did this with her household insurance in a rental property as it was cheaper to show she stayed locally than the other end of the country.

dh knew, I didn't (as he knew I wouldn't condone). Unfortunately (for her)the insurance company phoned looking for her and I told them she didn't live here, never had and had lived at the other end of the country for 20 years and I couldn't understand why she had given my number (before I clicked what she was up to).

She wasn't best pleased, and had a bit of explaining to do to the insurers, but don't think she got into much bother (think she lied and said she had planned to move in with us when hell froze over but the plans changed).

I would tell you cousin to change all details away from you house immediately 1) because she used you 2) because its fraud she is involving you in without your knowledge 3) you now know so are complicit. I would also tell her to be bloody grateful you aren't phoning the insurance company to report her.

Binkermum29 · 05/08/2016 18:38

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riceuten · 05/08/2016 18:39

Surely the form is to ask in advance?

Masketti · 05/08/2016 18:42

I can't see anyone else who raises this point but it would never occur to me to check a friend or relatives address to see if I could get cheaper anything by using their address. She must have had the cheek to check perhaps because you live in a nicer area? Having said that I moved from student rough to leafy suburbs and mine went up because thieves roam leafy suburbs looking for nice cars (apparently). So she had the idea and then went and put it into practice without even asking! You could have told her where to go at the quote stage if she'd mentioned it.

MyKingdomForBrie · 05/08/2016 18:49

not sure what on earth the poster talking about the land registry means. You can't register a property just because you have a letter in your name at that address!! I'm a lawyer it does not work like that.

JudyCoolibar · 05/08/2016 18:51

With documents to your address they might register your house with the land registry

No, they can't.

However, OP, you really don't have any choice but to tell her that unless she gives them the right address you will, otherwise you could be prosecuted for conspiracy to commit fraud.

Original poster
Kungfupandaworksout16 · 05/08/2016 18:51

I've spoke too her, and gave one of the following persons advice she has seven days or I'll ring the company querying about it. She wasn't happy at all with what I said and this all happened because apparently they wanted to higher her insurance with the quotes she was receiving and my address worked out cheaper

OP posts:
Original poster
Kungfupandaworksout16 · 05/08/2016 18:53

Masketti my area isnt that much of a better area, think it's because my street has off road parking which might lower your insurance (not quite sure if that's how it works)

OP posts:
ButtMuncher · 05/08/2016 18:53

She may not be happy but as many of us have said, her insurance is actually invalid.

Flappyhat · 05/08/2016 18:55

Sorry for hijacking op but I know someone who did similar but with his parents address. He had everything (license,car.insurance,bank accounts) all registered at his parents address even though he hadn't lived there for 10years. He just never bothered changing them. His parents knew. The parents receive many benefits. Is that still fraud? I told him it was but now wondering if I was wrong

JessieMcJessie · 05/08/2016 18:58

Seems a ridiculous length to go to for 15 lousy quid. If she can't afford that extra per year, should she really be running a car at all?

Good for you for putting your foot down.

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