audi_novice Posted March 25, 2007 Report Share Posted March 25, 2007 i have my car insurace with Lloyds TSB. essentially what has happened is that my insurance is due for renewl next month and i rang them to get a revised quote. the insurace has my mum as first driver and me as second named driver. somehow lloyds had me down as spouse and not as son in the policy. when i told them this was wrong they revised the premium i paid for last year and now say i owe an extra £500 to cover last years insurace as it was quoted wrong. what can i do to avoid paying this??? Link to comment Share on other sites More sharing options...
Speedywheels Posted March 25, 2007 Report Share Posted March 25, 2007 Move somewhere else ! I wouldn't pay the outstanding money - if you had been in an accident and this information came to light, you might have have found yourself uninsured ! Link to comment Share on other sites More sharing options...
audi_novice Posted March 25, 2007 Author Report Share Posted March 25, 2007 i plan to look elsewhere but they are threatening to have the baliffs sent round if they dont get the outstanding payment but the time my insurance runs out. dont really wana have to shell out £500 and then another god knows how much for insurance this year Link to comment Share on other sites More sharing options...
Bounce Posted March 25, 2007 Report Share Posted March 25, 2007 i'd go to the citizens advice center get yourself some proper advice , i can't see they have a leg to stand on , they cocked it up, had you had an accident you were probably not even covered! now they want another £500 Link to comment Share on other sites More sharing options...
Sponge Posted March 25, 2007 Report Share Posted March 25, 2007 What does your original documentation say? It'll have you down as a named driver, but does it mention the relationship between you and the primary driver? I echo the comments on seeking professional advice. However, I think you may have to pay up even though the error was their fault. But I would be arguing that as it was their fault, you require time to reimburse them as you can't afford to pay in one go. Maybe even offer a partial settlement. How did you pay the original premium, was it monthly or in one go? Lloyds TSB will have to take you to court in order to recover their money using baliffs. So don't get too worried about their threats, not yet anyway. Either way, it sounds like you have your car insured in your mum's name, with you as a named driver, to keep the premiums down - this is fraud and you're insurance is probably null and void anyway. Link to comment Share on other sites More sharing options...
edo Posted March 25, 2007 Report Share Posted March 25, 2007 Sounds like you are using your mum to make your insurance cheaper - whose car is it - who does the most driving? Correct me if I am wrong. Link to comment Share on other sites More sharing options...
Calm Chris Posted March 26, 2007 Report Share Posted March 26, 2007 Did you take out the TSB ins via on line aplication or via postal application ? If postal then I'd ask for a copy of the application as proof that the error was TSB admin, if the error is with TSB go tell them to suck on a lemon. If the error was yours and you / your mum signed the proposal then they may have a case. Since your Mum was the primary insurer, is the 'threat' being addressed to her or to you ? Link to comment Share on other sites More sharing options...
330dcoupe Posted March 26, 2007 Report Share Posted March 26, 2007 Do the Log book name and primary Insurance premium holders names have to match these days? Or has it always been like that? Ask them - If your not the policy holder, then why are they questioning you? Aren't they breaking some sort of data protection rule ? ;-) Link to comment Share on other sites More sharing options...
audi_novice Posted March 26, 2007 Author Report Share Posted March 26, 2007 the car is driven by both of us. can they make me pay even though i didnt make any claims last year? Ill have to check the original documents as to what it says on there. i filled it out online about 2 years ago so i mean it is possible that it was my mistake (damn scroll mouse). i can understand them wanting me to pay if i had used the insurance for a claim but seeing as i didnt and it seems to have been a genuine 100% mistake i dont think i should pay for something i havent used Link to comment Share on other sites More sharing options...
techieboy Posted March 26, 2007 Report Share Posted March 26, 2007 But, it is your, or the policy holders responsibility to check the accuracy of the information on the written schedule and certificate. I'd guess they are fully within their rights to claim the money back from the policy holder. Some may choose to pursue others may not but all the same, I'm sure it's legal for them to do so. If you are not the main policy holder, then I doubt they can force you to pay. Which means your mum will be the person they pursue. Remember, two years ago they may have declined to insure you at all in your own right. Link to comment Share on other sites More sharing options...
Daz Posted March 26, 2007 Report Share Posted March 26, 2007 As your current insurance hasn't expired yet they may also claim that your current policy is currently void. So you need to sort it out before using the car. Link to comment Share on other sites More sharing options...
audi_novice Posted March 27, 2007 Author Report Share Posted March 27, 2007 just found my certificate of motor insurance and motor insurance schedule,, neither say anything about how i am related to the main driver. TSB basically said its my duty to review the documents they send out, sign it and send it back. as the docs i have say nothing about me being son or spouse then they dont have a leg to stand on right??? Link to comment Share on other sites More sharing options...
Mook Posted March 27, 2007 Report Share Posted March 27, 2007 Your best bet is probably to check with the Citizens Advice Bureau on this - you can guarantee that, if they believe they're right, your insurance company will pursue this to recover the money from you. As per Daz's post above, though, you need to sort it out before you use the car - the consequences of not being insured are horrendous, and not just w.r.t. fines and points on your license, it's about what happens if you knock someone down and you're not insured. It's just not worth contemplating. Best of luck sorting it out Link to comment Share on other sites More sharing options...
edo Posted March 27, 2007 Report Share Posted March 27, 2007 Bear in mind if you fight this, the insurance company will start digging for other things, so if you dont genuinly live at the address for the main driver, and in all honesty do "most of the driving", or the caar is registered in your own name, you might want to think carefully about how you progress with this. Link to comment Share on other sites More sharing options...
Sponge Posted March 27, 2007 Report Share Posted March 27, 2007 [ QUOTE ] just found my certificate of motor insurance and motor insurance schedule,, neither say anything about how i am related to the main driver. TSB basically said its my duty to review the documents they send out, sign it and send it back. as the docs i have say nothing about me being son or spouse then they dont have a leg to stand on right??? [/ QUOTE ] They're right in that it's your responsibility to check the paperwork, but if nothing in that paperwork mentions your relationship, other than main & named driver, then how are you meant to know there's been a mistake? You're not. So it may then lay with them checking any recordings of telephone conversations between you. I don't know if there is a procedure for it, but if they say the recordings show it's your mistake and you're adamant it wasn't, then ask for a copy. But as edowen says, make sure everything else is in order before you initiate any action. As you may well be opening a whole pandora's box of trouble. Good luck. Link to comment Share on other sites More sharing options...
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