Car Insurance Advice Needed Desperately

[miabudgett1997]

I had my insurance policy bought by someone else (which I am paying back monthly) with Admiral (apparently) and now the person who set it up for me is witholding my documents and won't even give me my policy number. Is this illegal? What can i do to get to my documents? She set the account up in with her email and a password so i can't know how to access it. I will ring Admiral tomorrow. Is this illegal though, to withhold my documents from me?

[TWR]

Contact Admiral and explain, they will ask you for your full details, they will then check their records.

[TWR]

To add, I would also contact the police in case your insurance has either run out or stopped.

[EDDIE51]

You need to find out for sure if you are insured or not as there is no excuse for driving uninsured. It is what is called an absolute offence no defence you just have to be certain you are insured. Being stopped for driving without insurance means the car will be instantly impounded and you will get a large fine.

[fiction-factory]

might be worth checking your car is insured- use the askmid site

[SlackAlice]

Check your vehicle is insured on here,

https://ownvehicle.askmid.com/

[EDDIE51]

Here is the askmid insurance check site.
https://ownvehicle.askmid.com/
Put your reg number in the box and it will tell you if your car is insured

[bednobs]

is it insured in your name or theirs?

[Buenchico]

I'm confused!

Any policy in your name should have your own address on it and the policy documents should have been sent directly to you. So they should never have gone to the other person (even if they permitted you to pay for the policy from their bank account).

The only exception I can think of is if the other person took out a policy in their own name and added your name to the policy as an additional driver. That would explain how she came to be in possession of the documents but it also leaves you with a big problem: If the insurance company (or the police) become aware of the fact that you'd tried to get car insurance in such a way, there's a high risk that both you and the other person could end up in prison. (The offence is called 'fronting' in common parlance but the courts refer to as 'Fraud by false representation, contrary to Section 2 of the Fraud Act 2006'. The maximum penalty is 10 years imprisonment).

[tonyav]

Fronting sounds about right to me, Chris.

[twix123]

Is the person that arranged the insurance for you a friend, or acting as a business? Do you have a credit agreement with them? Are you paying them any interest or commission for the loan or the insurance?
Other than being a 'friend', if any of your answers are yes then they are probably contravening Financial Control Authority regulations, the Consumer Credit Act 1974, plus subsequent amendments and various other laws.

[ToraToraTora]

stop paying and get yourself a proper policy pronto. fronting is fraud.

[Davemano]

Did the person take out the policy or are you paying money for nothing. Have you seen the documents.