My bro has just asked me for some advice and I thought I would consult the oracle before opining:
He was in a pub beer garden on sunday afternoon when someone did a 3 point turn in the road and bashed into his car in the process. The lady stopped, got out and gave him her details. The VW garage say its about £1k of work. Today the lady called him and admitted liability and says she is happy to go via the Insurance route. But... she has asked him to say it was her boyfriend driving. She was alone in the car at the time of the shunt.
Turns out its her boyfriends car, she took it out without asking. Boyfriend works for an Insurance broker and has said she is covered, but she isnt specified on the policy (she's only a girlfriend, not wife). So to claim for her would require them to issue a cover note and then process the claim, which she says isnt impossible, but is more laborious and tricky. He would rather my bro just says it was the boyfriend driving the car. My bro has no way of verifying any of this stuff about the claim being easier or whether or not a cover note can be issued.
My 1st thought is that this shouldnt be a big problem - no one was hurt, no one else was involved, it was a minor incident and the damage isnt astronomical. Just say it was boyfriend and the chance of anything bad happening is 0.01%. Plus he will get the claim processed quicker.
But then I have only ever claimed once, so really dont know my way around Insurance stuff. Plus I know that he would ultimately be lying, and lying is naughty.
Thanks for any advice on this, Josh
He was in a pub beer garden on sunday afternoon when someone did a 3 point turn in the road and bashed into his car in the process. The lady stopped, got out and gave him her details. The VW garage say its about £1k of work. Today the lady called him and admitted liability and says she is happy to go via the Insurance route. But... she has asked him to say it was her boyfriend driving. She was alone in the car at the time of the shunt.
Turns out its her boyfriends car, she took it out without asking. Boyfriend works for an Insurance broker and has said she is covered, but she isnt specified on the policy (she's only a girlfriend, not wife). So to claim for her would require them to issue a cover note and then process the claim, which she says isnt impossible, but is more laborious and tricky. He would rather my bro just says it was the boyfriend driving the car. My bro has no way of verifying any of this stuff about the claim being easier or whether or not a cover note can be issued.
My 1st thought is that this shouldnt be a big problem - no one was hurt, no one else was involved, it was a minor incident and the damage isnt astronomical. Just say it was boyfriend and the chance of anything bad happening is 0.01%. Plus he will get the claim processed quicker.
But then I have only ever claimed once, so really dont know my way around Insurance stuff. Plus I know that he would ultimately be lying, and lying is naughty.
Thanks for any advice on this, Josh
