Incorrect Insurance

pgj2015 · 19-08-2022 9:28am #1

What would an insurance company do if they were informed someone insured by them wasn't correctly insured?

example they have a customer paying say 400 euro for private car insurance but the person is actually operating an illegal Hackney business.

would they investigate this?

coylemj · 19-08-2022 3:12pm

You mean they get an anonymous tip-off about a policyholder? Would depend on the company I guess.

pgj2015 · 19-08-2022 5:13pm

https://www.boards.ie/discussion/comment/119494525#Comment_119494525

Yes, that is what I meant.

zg3409 · 20-08-2022 2:02pm

They would probably note it in the file and do nothing unless driver puts in a claim. Then they would deny the claim. It's not up to the insurer to vet the person wanting insurance, but they suddenly become very interested in the details and ways to get out of paying once a claim is made.

I would have thought uninsured or illegal taxis would be a job for taxi regulator or gardai not their insurer.

Lots of food delivery drivers out there with the wrong insurance.

Whocare · 20-08-2022 2:52pm

https://www.boards.ie/discussion/2058259448/incorrect-insurance

Snitches get stitches . plus why would inform the insurance company like inform Garda

pgj2015 · 20-08-2022 4:32pm

https://www.boards.ie/discussion/comment/119497804#Comment_119497804

That is what I thought. They are right in fairness or I suppose they could inquire with the Guards to see if its true.

coylemj · 21-08-2022 5:12pm

https://www.boards.ie/discussion/comment/119498380#Comment_119498380

It's only 'true' when the guy is in the act of illegally transporting someone for a charge without the proper insurance cover and authorisation to operate a PSV.

When you say 'they could inquire with the Guards to see if its true', do you mean that they could, somehow, phone the guy's local Garda Station and ask them if if Jimmy O'Reilly of so and so address is operating an illegal hackney service? Nobody is going to do that because, if he found out and sued them for defamation, the onus would be on them to prove that the accusation was true. More likely, they would have to settle for a four figure sum, plus his costs.

It's a difficult one to detect to the point where you'd have a reasonable prospect of getting a conviction. It would probably require an undercover cop or an investigator from the taxi regulator to engage the guy to take them somewhere. When he asks for payment, they have their evidence.

cnoc · 21-08-2022 5:37pm

https://www.boards.ie/discussion/comment/119498380#Comment_119498380

Is this a family member; a neighbour, a workmate or what?

Eggs For Dinner · 21-08-2022 6:25pm

If an insurer receives such information, they will do some very basic enquiries and note any findings on file. If a claim occurs, they will do a deep dive investigation. If they can prove their position, they will repudiate the claim and cancel the policy.

If the basic enquiries (without claim) give an indication of wrongdoing, they will price the renewal to make the policyholder move insurer and become someone else's problem

pgj2015 · 21-08-2022 8:22pm

https://www.boards.ie/discussion/comment/119502181#Comment_119502181

Its a funny one in that you do need to catch them if the police or NTA but I doubt Revenue would have to see money being handed over.

If someone is constantly dropping people off in their car, they aren't doing that for free.

coylemj · 21-08-2022 9:05pm

If someone is constantly dropping people off in their car, they aren't doing that for free.

Be careful about jumping to conclusions. There are volunteer schemes around the country whereby a person with a car and time on their hands brings local people to hospital for scheduled cancer treatment (e.g. radiotherapy) and drops them home afterwards.

Do you have beef with a neighbour and you see this as an opportunity to get at him?