motor insurance policy question

[jampot]

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?

the licence is a bit naughty and once again I posted about this earlier in the year as I was going to "lose" it

im afraid i dont think you'd get away with it, because even then some of the other details are incorrect - also how many weeks of the year do they "live" in england, as i think that is how they determine residential status. Also I would be very careful, as even though it isn't you who has lied (i cuold be totally wrong here) if you are driving without valid insurance, then you could be liable for fines or even points on your own license?? sorry to worry you, and like i say i could be completely wrong but i wouldnt risk it if i were you ?

im not going to risk it but as we will have the car here for probably the next 6-9 months I'd like to think we;d be able to use it. They have been over here for about 4 months this year but that is pretty excessive for them - usually about 2 months

have you tried talking to them to make them come clean about stuff? because there is no point paying for insurance that is invalid anyway? if they have reasonable no-cliams etc then it shouldnt be too expensive - especially if they are hardly ever using it?

id be inclined to leave that to dh and he seems scared to approach his mum on any of these things. Also they think i;m too moral and that dh is changing to my way of thinking too (which is good) I may have to call her tomorrow.

actually sally - very good idea. if we change the vehicle into dh's name when they are abroad then we can insure it in his name. When they come back we;ll change it all back into their name (wouldnt' trust them to drive on our policy) which brings me to another point. FIL is 73 in Dec so can he drive on his licence over here at all?

aargghh - just spotted on dvla website that a "community licence holder may drive in UK until aged 70!!!! that was 3 years ago. last year FIl was caught by a speed camera exceeding speed limit and for some reason MIL pretended she was driving and ended up with the points, presumably ebcause FIL couldn't surrender his EU licence for points as tehy declared he has an English one --oh its all too confusing

dh called his mum this morning to let her know of the very many false statements on her statement of insurance. He told her she needs to let AA know of everything truthfully. She asked if I could send it to her and she will fax a letter to the insurance. Didn't tell her she was unlikely to get cover as a spanish resident though.

Sorry to take so long to get back with this, and its all a bit irrelevant now anyway, but....sdad says that any false statements will invalidate their insurance, so their insurance policy as it stands isn't worth the paper it's written on.