Great ideas guys..thanks so much..I'm taking note of all of them because I will follow through. On the registration of the vehicle, I think my insurers were just being slack..but it might be that my friends request to register the vehicle was not processed by dvla (missing in post perhaps as at least one explanation) before being sold on again.

So far my insurers haven't shown any interest in trying to find out the truth..,,

As much as I tried not to be...I certainly will be in some pictures.. I hope they or I manage to track the current owner to enable an inspection..thats my first call.

I had returned the vehicle back to my friends property (putting the keys through his letter box) at least 1 week before the date of the alleged incident..he assured me that no one else had use of it. On the day itself I attended a friends wedding and was taken and brought back by a couple of friends that said they'd be more then happy to attest to that fact.

Great ideas guys..thank you both I've sent in a letter of complaint and also said that if they cannot find the owner then I am prepared to use some resource to try and track the current owner. I reckon I'll also send a copy to the MD like you said pin1ou

I have no problem with them sending out an assessor..in fact I wish they would..but they're asking the wrong guy..I've told them several times that I'm not the owner and that the car is no longer in my possession..The car has since been sold and I do not know the current owner..insurers, police and other such bodies have access to DVLA and MID..so they should contact the owner directly instead of harrassing me to grant something I have no power to grant. The friend that received the vehicle doesn't fit the description either! It really is an odd one..

The car was owned by a friend who received it from a debtor. This friend allowed me to use his vehicle temporarily so long as I was able to insure myself to drive it. Over a period of around 3 months, I used this vehicle no more then 8-9 times while my own vehicle was in for repairs of maintenance. My car insurance policy enabled me to add another vehicle for 30 days cover for a maximum of 120 days in the year for this purpose. On the day this incident is CLAIMED to have happened, I did not drive the vehicle. The incorrect vehicle being requested for inspection is down to maladministration on the part of my insurer (I attempted to put them straight, on that but it was to no avail). Regarding the description given by the other party, my only explanation is that my insurer probably assumed the description to be correct because of my foreign-ish sounding name. Had they requested a photograph, they would have realised it could not have been me or that the other party was telling lies

The paragraph in Point 4 of the General Conditions I think they are referring to states: "We may cancel this policy at any time by sending seven days notice in writing to your last known address. If a claim is made or has arisen during the period of insurance the full premium is due and no refund will be given. This applies in all circumstances regardless or payment method" Can this by right? If so does this mean that they can cancel a policy with seven days notice just because they want to? Or does it mean that if a claim is ‘made’ they can cancel it by giving seven days notice? If it is the latter, where does a person stand if, as in my case, someone has logged a bogus claim against me?

A third party has made a motor insurance claim against me which I believe is either fraudulent or in error. I have cooperated with my insurer by replying to all of the letters received, and by answering their questions as best as I can. My insurers were contacted by the other party’s agents because I was the only person to have insurance cover on the temporary vehicle at that time. The other party claims that there were no witnesses as apparently I accepted liability. The other party also claimed that I was of Middle Eastern appearance when in fact I am white, with hazel eyes and blonde hair. My insurers asked me to confirm whether I was involved in this accident to which I confirmed that I wasn’t. They then wrote to me asking me to provide the insurance details of the person involved, or explain why I had allowed another person to drive my car without valid insurance - citing it as a criminal offence for an owner of a vehicle to allow another person to drive their car without valid insurance. I informed them that I was not, nor had I ever been the vehicles registered keep. They then wrote to me asking me if the vehicle was still in my possession and if they could arrange for an inspector to assess my vehicle. To which I reiterated that the vehicle was not mine, that I no longer had possession of the vehicle, nor did I know its whereabouts. I also made clear that while the vehicle was in my possession, I allowed no other person to take use of it. (As far as I understand, common sense should dictate that if this incident happened at all, and another person was driving this vehicle, during the time that I also happened to have cover, then surely they should be writing to registered keeper - available through DVLA, for this mysterious drivers details) In spite of the fact that I informed my insurer several times that I was not the keeper/owner, and that I did not have the means to arrange an inspection since the vehicle was not in my possession, they continued to write to me asking me to inspect my vehicle, which incidentally was not the particulars of the temporary vehicle alleged to have been involved in an incident (but instead the main vehicle on my policy, not related to, or claimed to have been involved in this or any other such incident – to which I also informed them more then once). I was also contacted by their assessor who made the same request to inspect the wrong vehicle. I wrote to them once more repeating that I was not involved in any such incident, that I was no long in possession of the additional vehicle on which I had temporary cover, do not know the whereabouts of and that they keep on mistakenly asking to inspect the wrong vehicle. Even though I specifically requested that they send all written correspondence through recorded post to ensure receipt, not one letter was sent via this method until their final instruction to me where they informed me that they were canceling my policy within 7 days – reason given that they were “disappointed to note that I had not responded to their letters” and they referenced 3 letters, going on to conclude that “we can only assume you are withholding information and as such, in line with point 4 of our general terms and conditions, will be canceling your policy within 7 days of the date of this letter” Of the 3 letters they claim I did not reply too, letter 2 was never received and letters 1 was only received when attached to the reminder (letter 3). Their accusation that I have ignored their letters is baseless as I have sufficient acknowledgments from them as proof. They have since railroaded the process and sent me another letter instructed me that I have a few days to accept their offer to represent me against this alleged motor claim. This will be on the condition that I accept full financial liability of cost incurred if things fall against me. Please help, where do I stand? I also need my insurer to remove this alleged claim, refusal to renew my policy and early cancellation, since they are all actions that will be detrimental future insurance quotes. I have until tomorrow to give them my answer to whether or not I accept their offer to represent me, otherwise I’m on my own apparently? Incidentally, my policy came with free legal cover – but I’m not quite sure what that means and how I can use it if they are a part of the same corrupted organization. Having found a document on Elephant’s web site, it seems that point 4 in their general terms and conditions refers to them being able to just cancel any policy by giving 7 days notice whenever a claim is made – surely I have misunderstood? Wouldn’t that effectively mean that they could simply take your money in exchange for them indemnifying you against any incident, yet if an incident arises, simply terminated your policy and then offer to help only if you agree to cover the costs? Please help!

I cannot see the option to delete a thread anywhere..can someone please help?

I created this post which for some strange reason duplicated and did not save the main body of the thread