My name and address been used on insurance

sham58107

djimi wrote: »

Can you explain how it is not against data protection laws for a named driver to be given information about a policy that is not in their name, and be allowed to make changes to said policy?

Jeez OP just ring the company and see if they will speak to you.
Then tell your ex this is going to cause her problems if YOU have accident as your are named on her policy.
I have never had to show licence for private policy only for fleet but that is probably more for insured than insurer.
You could just use the car?

amdublin

Take a photocopy of the letter.

Write on the photocopy:
Myself and this person are not in a relationship anymore.
I do not drive this car.
She does not live here at this address.

print your name, sign the above statements. Plus put your mobile no on it.

Post this to the insurance company.

Myself, I'd tell your ex I'm doing that.

galwaytt

amdublin wrote: »

Take a photocopy of the letter.

Write on the photocopy:
Myself and this person are not in a relationship anymore.
I do not drive this car.
She does not live here at this address.

print your name, sign the above statements. Plus put your mobile no on it.

Post this to the insurance company.

Myself, I'd tell your ex I'm doing that.

If posting, by registered post. ...

djimi

MugMugs wrote: »

Where did I say that they'd give the OP information relevant to the Policy Holder?

I also advised that he "ask" that they remove him from the Policy.

Would you like me to define ask for you? If you "ask" me nicely, I will.

A named driver calling to discuss their element of a policy is not a Data Protection breach. True story !

The named driver has no element of the policy beyond their details and the date on which they were added. Thats all the information that should be given.

I would be pretty livid as a policy holder if I found out that an insurer has allowed a third party (even one named on my policy) to ring up and make changes to my policy. I cant see how that is even remotely legal.

Cabaal

djimi wrote: »

I would be pretty livid as a policy holder if I found out that an insurer has allowed a third party (even one named on my policy) to ring up and make changes to my policy. I cant see how that is even remotely legal.

The person named on the policy has ever right for their name to be removed from said policy.

Their name is their personal information, the company is required by the data protection act to remove the persons name if they request it. If they refuse then the person can make a complaint to the data protection commissioner.

If by removing themselves from the policy they cause the remaining person to be put as the main driver then so be it,

18MonthsaSlave

40now wrote: »

(not sure if this is in the right place so feel free to move)
I split up with my ex nearly 2 years ago and the other day I got an AXA letter in the post addressed to her, she read it but forgot to take it with her so I had a look, she still has me down as a named driver as I have a full licence and she is using my address, I do not want to be associated with this car in any way as I do not have or want the use of it.
I said this to her and she told me shes using my details as she has no licence and hasn't had one in 6 years when her third provisional expired and leaving everything the way it is suits her, now my question is, how can I remove my name and address from this insurance policy as she wont do it.
I don't have any insurance policy numbers, all i have is the car reg details, thanks in advance for any advice.

Based on her blasé attitude to important things like this it sounds like you dodged a bullet by getting yourself rid of her.

amdublin

Cabaal wrote: »

The person named on the policy has ever right for their name to be removed from said policy.

Their name is their personal information, the company is required by the data protection act to remove the persons name if they request it. If they refuse then the person can make a complaint to the data protection commissioner.

If by removing themselves from the policy they cause the remaining person to be put as the main driver then so be it,

I'd agree. I don't think it's a data protection issue at all. As long as no information about the other person (your ex) is provided to you.

oldyouth

MugMugs wrote: »

We can go around in circles all day long with yes you can, no you can't.

OP, call AXA, give the policy number and your details. They'll speak to you.

The insurer has a contract with the policyholder ONLY and should only ever discuss matters or take instructions from their client, nobody else

Access via Data Protection legislation is a different matter, a different route and a different discussion

Kopparberg Strawberry and Lime

Kopparberg Strawberry and Lime wrote: »

They actually call it spouse /partner discount.

As in they wouldnt get the same discount if it was brother or sister or parent /child.

I get a discount from simply having my mother as a name driver on my policy.

MugMugs wrote: »

The theory behind the discount or reduced premium for a named driver comes down to "Dual Indemnity"

If I name my partner on my policy and she has another Insurance policy for her own car with a Third Party Extension then the third party risk whilst she is using my vehicle is halved as my Insurer will pay 50% of the Third party costs and her insured will pay the other 50%

Doesn't being a named driver over rule the 3rd party extension? Any policy I have had states that it doesn't apply if covered by other insurance.

Cleveland Hot Pocket

Luke Acidic Babushka wrote: »

I get a discount from simply having my mother as a name driver on my policy.



Doesn't being a named driver over rule the 3rd party extension? Any policy I have had states that it doesn't apply if covered by other insurance.

Most but not all.

ToxicPaddy

From what I can recall insurance terms and conditions cover the following:

• All named on a policy must a valid drivers license. No license means no cover.
• The car must be kept at the stated address at least 4 days a week

bucketybuck

bmwguy wrote: »

Reading this just got me thinking, how much checks do insurance companies do when setting up a policy?

If you think about it, the best case for the insurance company is to take the premiums and then not have to pay any actual claims, as opposed to never having the premium in the first place. So I would imagine checks are minimal by design at the policy creation stage, and then far more exhaustive at the point where they have to pay.

oldyouth

bucketybuck wrote: »

If you think about it, the best case for the insurance company is to take the premiums and then not have to pay any actual claims, as opposed to never having the premium in the first place. So I would imagine checks are minimal by design at the policy creation stage, and then far more exhaustive at the point where they have to pay.

If an insurer refuses to pay a claim on the basis that you misrepresented the facts, they have to void the policy and give you your money back (often over many years). There is nothing for the insurer to gain in this instance

galwaytt

ToxicPaddy wrote: »

From what I can recall insurance terms and conditions cover the following:

• All named on a policy must a valid drivers license. No license means no cover.

No it doesn't, odd and all as that may seem.

It may be in terms & conditions, and your disclosures must be in "upmost good faith", but - and there's always a But - the legal position is that, once issued, a Certificate of Insurance is valid.

That you may have obtained it by deception/laziness/ignorance does not detract from the fact if you had call to use it (in an accident), then the insurance company has to pay up.

However, once they've paid out, they'll take a civil case with you to recover all those monies. And you'll be on an insurance blacklist as well.

but the Cert is still valid.

ardmacha

Write to AXA, citing data protection, and ask if they hold any information about you, such as being a named driver on any of their policies.