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Old 23-06-14, 12:53 PM   #1
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Default Insurance company Audit

My youngest son is 17 years old and passed his test a few months ago, we took out car insurance for him, in his own name/own car etc and he has his elder brother(407xjr) on as a named driver, all is done properly and legally IE: he is main driver and there are no telematics on this policy.
Now his insurance company have sent him a letter because of an audit saying they want copies of:

Driving licence, both parts both back and front of each

copies of licence for named drivers on the policy ( difficult as he's in Hawaii on honeymoon)

Current utility bill or council tax bill (lives at home with us so no bills)

copy of v5(logbook) all sides so 4 pages.

Any idea's what this is about ?? never heard of this before
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Old 23-06-14, 03:55 PM   #2
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Not come across this before but I suppose they are in their rights to ask for proof of certain data? Although most I imagine they can check through certain databases?

However........ I know if you contacted them to ask for copies of certain documents they would instantly hit you with a fee. I wonder if you could negotiate a fee or future credit note for supplying the copies they request?

EDIT:
May be worth contacting ombudsman to see if this sort of request is legitamate?
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Old 23-06-14, 04:02 PM   #3
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Quote:
Originally Posted by trem1 View Post
My youngest son is 17 years old and passed his test a few months ago, we took out car insurance for him, in his own name/own car etc and he has his elder brother(407xjr) on as a named driver, all is done properly and legally IE: he is main driver and there are no telematics on this policy.
Now his insurance company have sent him a letter because of an audit saying they want copies of:

Driving licence, both parts both back and front of each

copies of licence for named drivers on the policy ( difficult as he's in Hawaii on honeymoon)

Current utility bill or council tax bill (lives at home with us so no bills)

copy of v5(logbook) all sides so 4 pages.

Any idea's what this is about ?? never heard of this before
ring them and explain about named drivers licence and bills, im sure they will accept scans, every insurance company ive been with ask for copies of my driving licence but nevers hear of bills and v5
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Old 23-06-14, 04:09 PM   #4
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we rang and explained about the bill's/honeymoon and they said don't worry about the bills and they would give an extension to allow kev to get back from honeymoon and supply details. Seems strange tho
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Old 23-06-14, 04:48 PM   #5
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we rang and explained about the bill's/honeymoon and they said don't worry about the bills and they would give an extension to allow kev to get back from honeymoon and supply details. Seems strange tho
its to confirm about points address etc. etc. and try cut down on fraud
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Old 23-06-14, 04:58 PM   #6
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yea thats what i figured, he is the worst risk. 17 years old,just passed his test etc etc etc. I wondered if its partly because we paid in full for him (interest free loan to him) to save him money.
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Old 23-06-14, 04:59 PM   #7
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yea thats what i figured, he is the worst risk. 17 years old,just passed his test etc etc etc. I wondered if its partly because we paid in full for him (interest free loan to him) to save him money.
I pay on an interest free card to save money lol
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Old 23-06-14, 06:38 PM   #8
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We had the same recently for our daughters policy 4 months in they want lots of nice pics of licences etc seems they are trying to increase paperwork to justify their jobs
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Old 25-06-14, 01:20 PM   #9
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i have heard that driving licenses will be on a big data base so these can check etc and the police

only dvla can check driver status not the police or insurance companies


anyway i could be completly wrong but it funny the police ask for the license first as they already no the insurance status using anpr /mot
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Old 25-06-14, 04:23 PM   #10
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They already are on a big database its the access that's changing

The reason the police need to ask for your license is that the ANPR system can only check the car the system cannot tell who the driver is as the registered keeper is not necessarily the driver and even then the driver may still NOT be insured even if the car IS

They need to PNC the driver details to check the big database wont change this need but it will help insurance companies check if licences are clean etc.
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