Tenants gf using HMO address for life insurance

Collapse
X
 
  • Filter
  • Time
  • Show
Clear All
new posts

    Tenants gf using HMO address for life insurance

    I have a Romanian tenant in a hmo. His Romanian gf has taken out some life insurance using the address . She doesn't live there - she lives in Romania. What are the implications?

    #2
    Can't see which country making a difference but strongly suspect someone on the fiddle.

    If someone informed the insurance company they might investigate. I'd return mail, not known at this address
    ​​​
    I am legally unqualified: If you need to rely on advice check it with a suitable authority - eg a solicitor specialising in landlord/tenant law...

    Comment


      #3
      Sounds like a fiddle to me. The letter got caught in the letterbox and ripped open. I facebooked the person and that's how I found out she's the Ts gf. I phoned the insurance company to tell them I'd never heard of her and she'd never lived there, well not in the last 25 years anyway and she's only 21 so that means she's never lived there.

      Comment


        #4
        Dwp?

        ,....




        ..
        I am legally unqualified: If you need to rely on advice check it with a suitable authority - eg a solicitor specialising in landlord/tenant law...

        Comment


          #5
          I'm not sure I necessarily see a problem.

          Romania is part of the EU.
          EU citizens can shop around and take out insurance in any member state.
          https://europa.eu/youreurope/citizen...s/index_en.htm

          And of course anyone can use an address for post that is not their home, it's often particularly expedient for correspondance in another country.

          Many LLs use a contact address for tenants that is not their home, mine does. (But I do also know his home address).

          It's up to the insurance company terms if they will issue life insurance for a person resident in another country.
          As long as they know she lives in Romania then it's not a problem.

          Comment


            #6
            Thanks Nukecad, my concern is that she is not and never has been a tenant of mine. She lives in Romania but came over here and stayed with the T (without my consent) and got life insurance using my address. I wonder why she didn't get some in Romania as that's her home and she's back there now as far as I know. I just don't understand why somebody would come over here and get life insurance at an address they have nothing to do with and then go back home. It's one of those insurances where if you lose an eye you get so much, a leg so much and if you die a bit more and she's set it up for a long time - until she's 70. I smell a rat but just can't see it.

            Comment


              #7
              Artful - that's what I suspect. If she gets enough legit stuff sent to my address she might be able to convince DWP she lives here when she doesn't.

              Comment

              Latest Activity

              Collapse

              • Rent Guarantee Insurance
                by oi2004as
                Hi

                I would be interested in your view on the following

                I received a renewal Legal & Rent Guarantee Insurance documents from Rentguard (which initiallyy I purchased through Openrent)

                There is the following condition in their 'statement of fact':
                "The...
                11-07-2020, 11:59 AM
              • Reply to Rent Guarantee Insurance
                by tatemono
                that's the rent guarantee insurance we use and which has worked for us for many years....
                13-07-2020, 20:58 PM
              • Reply to Rent Guarantee Insurance
                by AndrewDod
                No 7.1 will not likely stand up in court. You cannot have open ended guarantor deeds that apply in this way robustly.

                The fact that you have said that it will apply also to unknown rental increases, for an unknown term, and covers unknown costs means that it is likely invalid
                ...
                13-07-2020, 19:39 PM
              • Reply to Rent Guarantee Insurance
                by oi2004as
                To jpkeates
                This is not about zero-risk option. The part which I do not like the most is that I become tenant-dependant for buying insurance.
                They may not reply to my email about their circumstances
                They may not provide correct information
                They may not allow to run re-referencing...
                13-07-2020, 19:14 PM
              • Reply to Rent Guarantee Insurance
                by theartfullodger
                HOW was the guarantee documented please? Enacted as a deed? Guarantor credit checked, given AST & guarantee and advised to take legal advice prior to signing, please?...
                13-07-2020, 19:06 PM
              • Reply to Rent Guarantee Insurance
                by oi2004as
                To AndrewDod
                I have a guarantor on this Tenancy Agreement.
                This is 12-month fixed and then becoming rolling (monthly) contactual agreement.
                The guarantor is a party to the agreement (signed)
                The agreement has the following clauses:
                7.1 In consideration of the Landlord agreeing...
                13-07-2020, 19:00 PM
              • Reply to Rent Guarantee Insurance
                by jpkeates
                I think you're looking for a zero-risk option, but property letting is an investment business with risk baked in.
                I don't blame you! But I think you're going to struggle.

                Like all of us, the rent guarantee insurance sellers didn't see the pandemic coming, and it wasn't covered in...
                13-07-2020, 16:25 PM
              • Reply to Rent Guarantee Insurance
                by AndrewDod
                If a guarantor agreement is valid at all (which is a BIG if) it is not going to be valid past the initial fixed term (no matter what it says) - so as much use as non-stick Sellotape or Jeremy Corbyn....
                13-07-2020, 16:08 PM
              • Reply to Rent Guarantee Insurance
                by Boab
                I doubt anyone in this town has ten years rent. I’m obviously being Uber selective on tenants , but I also wondered about guarantors as well. Does a guarantor have the absolute obligation to cover rent defaults or can they avoid paying as well?...
                13-07-2020, 15:47 PM
              • Reply to Buildings & Contents Insurance - Recommendations
                by ashburnham
                Take a look at the LandlordZONE Insurance Directory for a list of providers.
                13-07-2020, 13:58 PM
              Working...
              X