New policy / Old insurer / SAR

[tired mommy x]

Hello. I have just set up insurance for my son as his policy has run out.  I have requested the proof of no claims and been advised by U Drive Cover that the proof of no claims has already been issued to 'Haven' his new insurance company and they are unable to issue another one.  This is not the company I have insured the car with and he certainly has not taken out any new policy.  His girlfriend has spoken to his insurers and the finance company 'Close Brothers' and a company who she thinks is 'Haven'.  From what she can gather a policy has been taken out in my sons name, said policy is now cancelled, proof of no claims will be issued when a cancellation fee of £1200.00 is paid.

 

Close Brothers advise they are investigating U Drive Cover.  They say they are investigating Close Brothers.  Both are investigation Haven.  Nobody will confirm who the 'new policy' is with until the cancellation fee is paid.

 

I have sent an SAR to Close Brothers, U Drive Cover and Haven Insurance (in Jersey??).  Sent 6th December.  Nothing from Haven or U Drive.  Close Brothers advise they can not process until I send photo ID and proof of address.  Once they have it, they will process my request.  As I am not sure which of these companies  is possibly doing something wrong as they all seem to be investigating each other, I am reluctant to send anything off to them.

 

Is it normally to request ID and a utility bill for an SAR?

[BankFodder]

I'm afraid that to get a subject access request disclosure, you will have to satisfy them as to your identity. This is the only formality that they are entitled to apply.

Haven are based in Jersey, you say – but where are close brothers based?

It certainly seems to me that a data disclosure is essential here. If you can find out what information has been released to Haven and who has released it then you have an excellent basis for a very serious claim

 

Presumably there was a previous insurance policy with U drive. When did it expire? Where are they based?

[unclebulgaria67]

Why would one Insurers issue proof of no claims to another Insurers ?  Unless they were linked to each other and they passed on the information.

 

Surely you get a renewal notice with the no claim discount showing and you send this to the new Insurers ?

 

All sounds very odd !  Are you 100% certain that your Son has not had contact with anyone regarding the renewal of the Insurance ?

[Ethel Street]

This is certainly a puzzling story. 

 

As to who is who in this, Haven Insurance are, I believe, in Gibraltar not Jersey but are authorised to offer insurance in the UK. So they can legitimately insure your son's car.

 

 'U Drive' are a UK insurance broker who specialise in finding insurance for "high risk" drivers - young drivers with bad claims/convictions records, expensive cars etc

 

Close Brothers provide finance to people who can't to pay the full premium up front. It appears Close Brothers paid the full premium to Haven and entered into a finance deal with your son for him to repay Close Brothers in installments. Or so it is alleged. The financing deal with Close Brothers would likely also have been arranged by U Drive.

 

Are you certain neither your son nor his girlfriend have arranged any motor insurance? If not the other possibility is some sort of fraud using your son's name is being carried out.

 

Does your son son have a bad accident/claims record? The premium must have been enormous to generate a £1200 'cancellation' fee.

 

I'm surprised the companies were willing to disclose anything to your son's girlfriend if she isn't the policyholder.

 

Come back here when you have Close Brother's SAR

 

You say you are submitting a SAR but surely your son needs to do that if he is the policyholder? It's the data Close hold on your son that you need so he has to submit the SAR and it's his ID that is needed.

 

[Ethel Street]

Incidentally @tired mommy x I assume your son is an adult so why are you and his girlfriend having to sort his insurance out for him? 

[unclebulgaria67]

@tired mommy x

 

Agree with Ethel, that the answer to question may be closer to home.

 

Yes there is a small amount of identity theft I.e. taking out Insurance in anothers persons name, just to get temporary insurance showing on records, with no intention of paying. But this issue is tiny compared to people who arrange Insurance and realise that they cannot afford repayments. And when they try to cancel the cancellation fee is also unaffordable.

 

 

[tired mommy x]

Hi. Apologies for the delay in coming back to you all and thanks for the info you have given.  I have had no response from the SAR's I sent out other than the one asking for ID, which I have supplied.

 

U Drive Cover Limited are now sending letters as attachments in emails advising the cancellation fee is £262.02.  They are sending text messages with the same information. 

 

Haven (which I was advised was the insurer) have not responded to the SAR and this was 1 month on the 5th January.

U Drive have not responded to the SAR I sent and this was 1 month on the 5th January.

 

Do I chase them again advising they are 'in breach' or resend them again?

 

TIA.

[BankFodder]

I've been out of the loop for the moment.

Are you saying that it is 1 month since you satisfied their ID requirement ?

 

What date was that?

 

 

 

[Ethel Street]

What addresses did you use when you sent the SARs to Haven and UDrive?

 

And you didn't reply to my earlier question asking why you are sending SARs when it is information held by them about your son that is needed. He must make the request for his own information. They cannot give you information about your son.

[tired mommy x]

Hi, all three SAR's were posted on the 5th December.  Haven.  Close Brothers.  UDrive.  Close brothers asked for ID to be sent which I did, but I stupidly did not log when sent.

 

I have had nothing from Haven.  Nothing from UDrive.  My son is receiving emails and text messages asking for the cancellation fee now £262.02 from them.  There is now also a DCA, CRS, which is asking for £379.54 on behalf of U Drive Cover. I cannot respond as I have no idea which is right until they respond to the SAR.  They give a policy number on the email but no registration.  They give the cars description but no cancellation date.  Says the balance is due in accordance with the terms of business which were agreed on the inception of the policy.  Do I SAR them?

 

My son swears he has never set up a new policy with UDrive when the old one expired and would not have done for over £3k as he would not be able to afford it.  Girlfriend has spoken to them several times about payments.  But until I can get a copy of all calls I have no idea what is going on.

 

I am doing all of this with my sons knowledge.  He works all day long and would not know where to start.  His car is registered at my address and I type the letters and he signs them (obviously not with his real signature).  He does live here sometimes but also stays at his girlfriends house.

[Ethel Street]

Thanks for clarification.

 

What address did you send the Haven SAR to?

 

What address did you send the UDrive SAR to?

 

Do you have any confirmation they received them?

[tired mommy x]

I used my address.  My son lives here most of the time.  The policy was taken out at this address and the vehicle is registered her.

 

I stupidly didn't send them recorded, I cant even remember if I sent them Recorded, signed for.

 

Do I send them all again to be sure?  Do I copy in the debt collection agency?

[Ethel Street]

We seem to be at cross purposes here @tired mommy x

 

I'm asking what address for Haven did you use, where did you send the SAR to? And the same question for UDrive.

 

If neither have responded and you have nothing to confirm they have received your SAR then there's no point in resending the SAR unless you are certain you are sending it to the right place.

 

So what was the actual address you posted the SARs to?