Thread: Insurance is voided please helppp!

The legal owner of the car is not necessarily the Registered Keeper, and in fact the Finance company could probably claim that THEY are the legal owner of the car and are renting it to you under a hire purchase agreement scheme.

Why is your insurance voided? what have the insurance company said?

They may have voided the policy under the belief that you named yourself as the main driver to reduce the premium for your brother (fronting). Is your brother younger than you? Does he have motoring convictions? Do you have NCB and he doesn't? Has he held his licence for less time than you? Is it a performance car?

If the answer to any of these is yes then your insurer can argue that they would have never considered insuring the car, had they know your brother was to be the main driver. You have told them that he isn't the main driver, but the fact that he financed the car and is named on the V5 tells them otherwise.

The best way forward is to explain what has happened, from your perspective, in writing. It will help greatly if your brother has another car registered and insured in his name. If he does, send them the details.

If my assumptions in the questions above are incorrect and your brother is older than you with a better driving history, then you should write in and point this out. Say you were honest when insuring the car in your name and as the main driver, despite the fact that it gave you no financial benefit to do so. Explain that not noting him as the owner and registered keeper on the policy was an oversight, and send them proof that you made a payment to him for the car.

Tough one and I feel you are a little at the insurance company’s mercy. The policy was obtained using incorrect information and they would have certainly questioned the different owner/registered keeper had you told them about it when you asked for a quote. They may well have refused to insure you.

It is still worth escalating to the Ombudsman if you have no joy. Good luck!