false info on insurance - what happens these days?

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Tue 16 Sep 2008 16:09
false info on insurance - what happens these days? - bananastand
I worked in insurance years ago, so I'm out of date. Here's the (short) story.

63 year old man, violent, universally disliked, keeping his old Mondeo on the road out of spite towards his neighbours, even though he's banned. The car is legal at the moment and never moves. The ban expires in a few weeks (it was 2 years for drink driving).

So - if, to save the premiums, he says the car belongs to his daughter, for example, but he's really the main driver, how serious is that as an offence? It's called "fronting" I believe.

Can you still get "any driver" policies? Told you I was out of date.

And if you're wondering why I ask, no, I'm not a snitch, but there is a lot of local curiousity over whether he's going to lose face and scrap the car - it's a shed - or pour more of his meagre funds into keeping it legal.

I live in, er, Hull. Yes, that's it, Hull. (ahem)
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Tue 16 Sep 2008 16:17
false info on insurance - what happens these days? - stackman
Even if he does get his daughter to front for him he will still have to declare any convictions and bans as a named driver. This would push the premiums sky high, if they do not decline to insure him even as a named driver.
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Tue 16 Sep 2008 16:20
false info on insurance - what happens these days? - bananastand
what if she got an any driver policy? It would be interesting to see what sort of quotes he would get if he told the truth. Couple of grand probably for TPO
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Tue 16 Sep 2008 16:34
false info on insurance - what happens these days? - Bill Payer
It doesn't really matter to anybody else - the insurance company is still required to stand behind its liability to third parties.

It may seek to recover from the policyholder anything it pays out.
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