Help, ex using me to reduce his car insurance

[MyCatIsAFuckwit]

My ex has been using me as a driver on his car insurance, without my knowledge.
We split 3 years ago. While we where together I did this willingly to reduce his extortionate premium (due to his rubbish driving)
He has just called me to ask if I'm willing to be named for a new premium as it will save him £500.
I am furious. I had no idea he was still using me after 3 years. He obviously has been. I told him to use his AP instead as they are still together. He put the phone down in a huff.
My problem is I have no idea who he is insured with and who he may go with in future using my name. This will impact me if he has a crash.
Any knowledgeable folk out there that can help me find out if he is using my details for his own benefit?
Grrrrrrr, so fucking cross 😠

Do you know the registration number?

It is realistic to knock that money off because I reduce DPs by a high amount too (can’t remember how much). I would reply to it and say I’ve thought about it and yes you can use me because it doesn’t actually impact me. I’m guessing you need my upgraded details though, I had an at fault accident in March 2022 and I have 2 convictions which add up to 6 points one from November 2021 and the other April 2022.

All of a sudden you won’t be so appealing.

a) The Op isn't consenting to this move to reduce his perceived risk and thus lower his premium on the basis of false information - she isn't goign to be driving it.

b) He's got enough details about her that his partner could very easily be driving under the guise, if checked, that she's the OP.

c) It's feasible that any accidents would therefore be both uninsured (who knows if the partner even has a driving licence?) and could be claimed to be the OP driving, rather than the actual driver.

Thank you so much to all the helpful replies so far.
I am definitely going to take this further as I have a feeling he is using me as the policy holder and himself as a named driver. I have no way of finding out.
Either way it will only benefit me to report this.
Even after 3 years I cannot escape his lies and deception....his fuckwittery is endless!

It does reduce the premiums to have a named driver on the policy. I’m named on DH’s policy after me being the main driver for years. I rarely drive now so he’s the main driver. It was actually cheaper to add me as the named driver than to have the policy solely in his name. He’d worked out of the country for years, so of course I was was the main driver and main policy holder. When he retired he became the main driver as due to vision problems I couldn’t drive…we contacted the insurance Co to notify them of the change. And to remove me altogether as we thought it’s save The insurance agent suggested I stay on as a named driver as the vision problem wasn’t permanent. It was going to be fixed with surgery. We’ve left it as it is as like I said, I rarely drive now but it’s good to know I can and am insured still and can drive without worrying.

It is fronting, which is illegal and invalidates the policy.

d) I was replying to LongPath about her being on her son's insurance.

Another potential problem is that he could get a ticket for speeding and say it was you driving

its not fraud because you are a driver of his car and you’ve consented to being a named driver on his insurance policy.

short of ringing round all of the insurance companies to let them know that if they insure a person named X Asshole with her as a named driver on his policy to take her off, not sure what else she can do.

She can report it to action fraud ffs. That’s what she can do. The police can look up his insurance details and take it from there.

@Discovereads Action Fraud hahahaha. Action Fraud do not bother investigating really serious frauds in which people lose thousands. They will not care that the OP’s ex has maybe listed her as a named driver on his insurance.

You need to be together at the same address to be a named driver otherwise it is fraud. I guess your ex is changing insurance and in order to be able to add you as named driver he need a copy of your driving license

He is using your personal details without consent and I would agree this is fraud, he is making a monetary gain by using you. I’d report it

You’re right, they don’t do the investigating. They refer the crimes to law enforcement who then investigate it. In 2020 they referred 37,951 crimes to England/Wales/NI police forces resulting in 48,955 legal actions being taken and 6,363 convictions.

So, yes they will care and it is the best way to report fraud to the police because 999 is not appropriate.

I work in insurance and can tell you none of this is correct.
My dad is on ours, he was added as he needed to drive our car home after my husband had an accident.

All you need is the name, DOB & details of any convictions/past accidents to legitimately add someone. Most insurers don't ask for licence details.

OP: you can find out who his insurance is through the MID. Might cost you a few £ & you can do it online.

Give the insurer a call , tell them your details are being used without permission & you want them removing. It'll soon be apparent if the insurance is in your name or if you are just a named driver.