Random person using our address for Insurance
Discussion
Hello,
Bit of an odd one and not sure if someone has seen this before..
Last week we received a letter addressed to an unknown person at our address from what looks like a car insurance company! I just thought oh they must have the wrong address and put it back with 'not at this address' written on it.
A week later a recorded delivery letter came for same person which I refused to sign for and postie accepted this...follow on another week and another letter again!
Now this is a new build house in a small village in the north east of Scotland and we are the only one's who have lived at this address so no previous occupants.
Obviously someone must be using our address for cheap insurance, can they do this? How can they get caught? What can I do about it? How does this affect me?
Postie said he has seen this more often and it's not too uncommon for him to be taking letters back especially from new build properties.
Do I open the first letter that I still have (illegal I know) or just phone the company that's on the letter or is there anything I can do?
Bit of an odd one and not sure if someone has seen this before..
Last week we received a letter addressed to an unknown person at our address from what looks like a car insurance company! I just thought oh they must have the wrong address and put it back with 'not at this address' written on it.
A week later a recorded delivery letter came for same person which I refused to sign for and postie accepted this...follow on another week and another letter again!
Now this is a new build house in a small village in the north east of Scotland and we are the only one's who have lived at this address so no previous occupants.
Obviously someone must be using our address for cheap insurance, can they do this? How can they get caught? What can I do about it? How does this affect me?
Postie said he has seen this more often and it's not too uncommon for him to be taking letters back especially from new build properties.
Do I open the first letter that I still have (illegal I know) or just phone the company that's on the letter or is there anything I can do?
I would always open a letter that had an unknown name but my address so I know who it was from and if I needed to sort it out could ring them.
You cannot sort it out as you have returned the two letters and how did you know it was about insurance did it have a company name on the envelope.
You cannot sort it out as you have returned the two letters and how did you know it was about insurance did it have a company name on the envelope.
That was my thought's about them not being smart as most do online policies!!
It's not for our neighbours, we know them all (new housing with around 6 houses) and the name on the letters certainly isn't from around here!
I returned the first letter and refused the second but we received a third which I still have!
Will just open it when I get home and see what they are asking for/doing and give the company a phone! Yes company name was on the envelope so know it's for some type of insurance! Thanks
It's not for our neighbours, we know them all (new housing with around 6 houses) and the name on the letters certainly isn't from around here!
I returned the first letter and refused the second but we received a third which I still have!
Will just open it when I get home and see what they are asking for/doing and give the company a phone! Yes company name was on the envelope so know it's for some type of insurance! Thanks
Cant be far from me if you're in the NE. 
Do you recognise the name? Do you know many of the neighbours? (im guessing this is a non-starter if youre asking already!) What I would do would be open the letter and see if there is a registration number anywhere, have a look on your street to see if it matches any!
ETA:This is pretty redundant after your last post
Do you recognise the name? Do you know many of the neighbours? (im guessing this is a non-starter if youre asking already!) What I would do would be open the letter and see if there is a registration number anywhere, have a look on your street to see if it matches any!
ETA:This is pretty redundant after your last post
Very common scam, usually used by certain sections of the Eastern European community. If living in a major metropolis, they will have a fictitious 80yr old as the main driver, living in the wilds of Scotland or some other low insurance area. They then put themselves as named drivers.
We're very wise to it, but have had real problems getting insurance companies to recognise the problem. If you get a letter, ring the insurance company and stress nobody on the policy had any connection to your address.
We're very wise to it, but have had real problems getting insurance companies to recognise the problem. If you get a letter, ring the insurance company and stress nobody on the policy had any connection to your address.
Elroy Blue said:
Very common scam, usually used by certain sections of the Eastern European community. If living in a major metropolis, they will have a fictitious 80yr old as the main driver, living in the wilds of Scotland or some other low insurance area. They then put themselves as named drivers.
We're very wise to it, but have had real problems getting insurance companies to recognise the problem. If you get a letter, ring the insurance company and stress nobody on the policy had any connection to your address.
That sounds like exactly what's happening so thanks for clarifying it is an issue! Will open letter when I get in a give them a phone.We're very wise to it, but have had real problems getting insurance companies to recognise the problem. If you get a letter, ring the insurance company and stress nobody on the policy had any connection to your address.
@Toomany2cvs - I don't see what the issue is, we live in a small village where everyone knows everyone and nobody has the name stated on these letters?! As above it seems to possibly be eastern European and there is nobody of that ethnicity that lives here!
I have noticed with my new build is that the insurance database hasn't been updated with the new house address and has no way of putting it in manually. Maybe the person chose you address to get the insurance online and meant to change it over the phone afterwards but forgot?
Just a different angle on it.
Just a different angle on it.
AbzST64 said:
@Toomany2cvs - I don't see what the issue is, we live in a small village where everyone knows everyone and nobody has the name stated on these letters?! As above it seems to possibly be eastern European and there is nobody of that ethnicity that lives here!
He took your statement wildly out of context (which was perfectly understandable) in some pathetic attempt, it seems, to label you as a bigot. Elroy Blue said:
Very common scam, usually used by certain sections of the Eastern European community. If living in a major metropolis, they will have a fictitious 80yr old as the main driver, living in the wilds of Scotland or some other low insurance area. They then put themselves as named drivers.
We're very wise to it, but have had real problems getting insurance companies to recognise the problem. If you get a letter, ring the insurance company and stress nobody on the policy had any connection to your address.
More and more checks are being done, such as driving licence number and electoral rollWe're very wise to it, but have had real problems getting insurance companies to recognise the problem. If you get a letter, ring the insurance company and stress nobody on the policy had any connection to your address.
The fact that there's a recorded delivery letter in this suggests a cancellation of policy by the insurer.
TooMany2cvs said:
AbzST64 said:
and the name on the letters certainly isn't from around here!
<blink> Do feel free to explain the logic behind that one...?
fidzer said:
I've had this numerous times to my address as well. Same name each time, different insurance companies. I've telephoned the insurers on each occasion to make them aware but it always goes through the cycle of letters being received for creation of policy,payment outstanding, policy cancelled. NE Scotand also.
That's because there is a defined legal process that insurers have to go through to cancel a policy. LoonR1 said:
fidzer said:
I've had this numerous times to my address as well. Same name each time, different insurance companies. I've telephoned the insurers on each occasion to make them aware but it always goes through the cycle of letters being received for creation of policy,payment outstanding, policy cancelled. NE Scotand also.
That's because there is a defined legal process that insurers have to go through to cancel a policy. Im guessing fidzer our insurance area codes must be much much lower than where ever they live so they do this scam to save paying premium!
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