I bought a car insurance for my housemate who promised that if I buy his car insurance + mine (as a second driver) he would take me with him for practice lessons. Now I have bought the insurance(on 19th nov) using my credit card and he doesn't want to follow what he said!! after some heated argument I decided to cancel the insurance but is it legal for me to cancel it over phone by giving his details(date of birth) as he's the primary applicant.
P.S: I bought the insurance online
2006-12-06 19:54:04 · 8 answers · asked by sunil 2 in Cars & Transportation ➔ Insurance & Registration
P.P.S: The insurance company asked me to send a letter for cancelling. So I asked my housemate to sign on the letter saying " I want to cancel...." but he said F***O**!
He has all the documents which he is not giving back to me. But today the insurance company said that they have already cancelled it (without the letter!!) and the money would be refunded in 5-7days.
My worry is if he uses those documents and if he got caught ..say he was not aware of cancellation and I cancelled it using his identity! would it be a identity theft on my part?
2006-12-06 21:20:22 · update #1
Well, you should have never done that. He was clearly just trying to get you to pay for his insurance. If the money has been refunded to your credit card and the policy is canceled, what more is there to worry about? He's not going to be able to go after you for identity theft, you were acting on his behest. He can try, but if you paid and you entered on the 'net that you were the person named on the card, how is that a problem?
2006-12-06 23:25:44 · answer #1 · answered by Chris 5 · 0⤊ 0⤋
In this case I would go to Citizens Advice - because you have paid for his insurance - and basically robbed you
Plus I would ring the insurance company and since you paid on your credit card - they have your credit details on file. If you want to be very sneaky, you could say your housemate used your credit card without your knowledge.
2006-12-07 17:35:42 · answer #2 · answered by Anonymous · 0⤊ 0⤋
You can prove you paid the insurance on your card you have the right to cancel and if it takes quoting his date of birth to identify your rights re that insurance so be it stop worrying .
2006-12-06 20:27:37 · answer #3 · answered by burning brightly 7 · 0⤊ 0⤋
As you paid for the policy you can cancel it.
So what you could do is speak to the Insurance as if were your housemate to cancel the policy ( they dont know on the phone do they.)
As they say " LOOK AFTER YOURSELF M8 "
2006-12-06 20:10:46 · answer #4 · answered by **tomtom 5 · 0⤊ 0⤋
No, he's the policyholder so most, if not all, companies would only allow HIM to cancel the policy. I imagine they will probably ask him to put in writing that he wants to cancel, mentioning the date he wants to cancel from.
They will also ask him to send back any documentation they may have sent out to you.
Ask him to give them a quick call to sort it out
2006-12-06 19:57:17 · answer #5 · answered by punkrawkprincess81 4 · 0⤊ 1⤋
Yes it is legal - you are the one paying. What you must do is inform him that you doing this. Do this in writing and keep a copy of the letter in case of future problems. xx
2006-12-06 19:58:38 · answer #6 · answered by Anonymous · 1⤊ 0⤋
Explain the situation to the insurance company. They will advise you what to do.
2006-12-06 19:56:51 · answer #7 · answered by leedsmikey 6 · 1⤊ 1⤋
let down your housemates tyres, that'll make you feel better.
the legal stuff i'll leave to the other guys here....
2006-12-06 20:09:40 · answer #8 · answered by Anonymous · 0⤊ 0⤋