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Original poster

motor insurance policy question

36 replies

jampot · 17/10/2004 22:30

Inlaws have left their car for us to use and it is insured for both dh and I as named drivers. However, having been bitten by their "you are insured to drive" claims before we have checked the documentation which falsely states:

(a) MIL and FIL are resident in UK
(b) FIL has full UK driving licence
(c) FIL doesn't have any heart conditions
(d) I don;t have any heart conditions
(e) Dh owns a car which is insured in his name (car & policy is in my name)

Do you think policy would be invalid?

OP posts:
JulieF · 17/10/2004 22:35

I would say that on counts d and e you are on dodgy ground if you were to make any claim.

I can't beleive all those false statements!!!

Original poster
jampot · 17/10/2004 22:36

thing is we really need to use their car tomorrow as ours is in for a service (about 15 miles away - Land Rover specialist) - not sure whether to ring her insurance and inform them of the false statements regarding dh and I

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lydialemon · 17/10/2004 22:37

I think if you were in an accident, and the insurance company found out that any of the details were false, they would use it as an excuse to not pay out.

My stepdad works for Esure - he's probably in bed by now, but I'll email him for tomorrow and see what he says.

Twiglett · 17/10/2004 22:40

yes ... insurance policy isn't worth the paper its written on if even one of the conditions is false (although you might be able to argue e most effectively)

you will probably be insured on your own policy to drive it 3rd party though

...silly buggers (inlaws not you)

Original poster
jampot · 17/10/2004 22:44

ooh thanks Lydialemon - im really grateful.

I have checked our insurance and our company doesn't always cover fully comp to drive other vehicles 3rd party IYKWIM - so no to that one - apparently a popular misconception

OP posts:
JanH · 17/10/2004 22:53

Our insurance is in DH's name with me as named driver (even though I always drive and he never does); he is insured 3rd party to drive other cars but I'm not.

HTH!

Original poster
jampot · 17/10/2004 23:00

thanks Jan but I think it actually depends on the insurance company - i really thought I'd be insured 3rd party at least but it would appear if inlaws policy is void then neither of us can drive "legally"

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JanH · 17/10/2004 23:03

Going by ours, jampot, even if it was valid you wouldn't be covered - only "the insured" is covered for other cars, named drivers are just covered for the insured car (unless you specify differently and pay extra, possibly).

Original poster
jampot · 17/10/2004 23:05

i am the insured jan so hoped I would be covered - never mind. bloody inlaws crap again

OP posts:
JanH · 17/10/2004 23:05

ie one of you would be covered 3rd party by your own insurance to drive your ILs' car.

sallystrawberry · 17/10/2004 23:05

This reply has been deleted

Message withdrawn at poster's request.

JanH · 17/10/2004 23:06

Oh, sorry, are you saying your own insurance doesn't do the 3rd party coverage? I did think they all did that.

Original poster
jampot · 17/10/2004 23:09

sally - this is the problem. Car is insured in MIL's name (she never drives it though). They live in Spain but have a holiday park home thing here. FIl has angina but hasn't declared it. I also have a heart problem but MIl hasn't declared it to her insurers. I own our car and it is insured in my name but the policy doesn't allow me to drive any other car 3rd party (NIG). FIL also has a Spanish licence but no UK one.

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Original poster
jampot · 17/10/2004 23:10

jan - yes thats part of the problem. I thought they did too but apparently not

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Original poster
jampot · 17/10/2004 23:12

dh is worried that by me phoning their insurance company I will open a can of worms

OP posts:
sallystrawberry · 17/10/2004 23:14

This reply has been deleted

Message withdrawn at poster's request.

sallystrawberry · 17/10/2004 23:42

This reply has been deleted

Message withdrawn at poster's request.

Original poster
jampot · 17/10/2004 23:43

yes but its their own fault as they have lied

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sallystrawberry · 17/10/2004 23:59

This reply has been deleted

Message withdrawn at poster's request.

Original poster
jampot · 18/10/2004 00:05

it was a new policy as their old car was scrapped in about January and they bought this car in June. plus thankfully they have now insured it at their caravan park home place instead of at our address (which also was false)

OP posts:
sallystrawberry · 18/10/2004 00:07

This reply has been deleted

Message withdrawn at poster's request.

Original poster
jampot · 18/10/2004 00:10

im sorry to go on - do you think i should ring them tomororw and adjust mine and david's details (at least get them right) - trouble is if they need to sign anything they're back in spain now

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washerwoman · 18/10/2004 00:22

If you had an accident, the insurance company check out all the details and ask to see licenses etc before paying out - so if they discovered that anything was false - even if it was irrelevant to the accident, then they wouldnt pay out

washerwoman · 18/10/2004 00:24

even if you change your own details, if they have lied about things themselves ie not having a full licence or not being residents in the uk, then they will still not pay out - so by changing your own details i dont think it would make a differnece to be honest

Original poster
jampot · 18/10/2004 00:27

oh poo!

dh thinks as tehy have an english address (albeit not permanent) and MIL has an english licence (again at my address) and passport she would be okay to say she lives in UK. I do not. They haven't owned or rented a house here since 1998.

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