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Stolen car problem


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About 18 months ago a friend of mine bought a car for cash that turns out to be a stolen car cloned with the details of another car, she was informed by a Police vehicle examiner who came to look at the car when she tried to register it in her name. He left the car with her & told her that the insurance company that had paid out on the vehicle would be in touch regarding taking it back.

At the time she HPI'd it but the company she used disputed her claim & soon after went bust so no chance of recourse.

She continued to use it for 10 months until the tax/mot became due contacting the Police vehicle examiner a couple of times saying the insurance company had not been in touch.

Soon after this she changed jobs & left the car in the company car park as it had no tax/mot & left the key with the receptionists.

Now 8 month later her previous employer has been in touch asking her to move the car! We've been back, replaced 4 knackered tyres & the battery & it runs OK but she wants to know if she's got any claim to it seeing as the insurance company seem to have made no attempt to recover it.

I've HPI'd the cars real registration & it comes back clean & not showing as stolen.

Is there a proceedure to lay claim to it?

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If the insurer paid out on the car when it was stolen before it was cloned then it legally belongs to the insurer who can demand its return. It doesn't matter that your friend bought it in all good faith and didn't know it was a clone, it still belongs to the insurer.

 

Best course of action is to speak to the insurer concerned and ask them what they intend to do about it, be honest with them, explain it's condition and how much it will cost to get put right and also mention it may be incurring storage charges. See if they will allow your friend to keep it as 'salvage' which will save them disposal/recovery fees, if not see if they will accept an offer on it from your friend.

 

Until you have it in writing from the insurer that they have given/sold it to your friend then they can demand its return at anytime, so any money spent on it could well be wasted.

 

Mossy

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