Give me one good reason...

[pops and bangs]

Jimmy No Hands said:

I think thats the biggest reason people do it. The worst case scenario is a crash. And people are ignorant to that under the guise "It won't happen to me, I'll be careful."

Yet when stopped by the police, or caught by an ANPR or something, they are insured.

It's TOO easy. If it was clamped down on properly and the penalties were severe, it wouldn't happen. But as it stands the majority of people doing it probably won't encounter a problem in doing so.

So as premiums are pushed higher due to fraudulent claims, more people are going to turn to methods such as fronting, thus fueling the whole reason insurance is so expensive in the first place. It's just a catch 22.

What pisses me off even more are cases when the insurance simply asks them for the difference in the premium.

Like the guy who had his car stolen but didn't declare points, he just had to pay what he would have had to pay if he had declared them.

So from their point of view don't declare, and you get a cheaper premium, and if you get caught just pay what you should have RESULT.

The icing on the cake was when someone said it wasn't a big deal because the points he didn't declare were for speeding, and unrelated to a car theft.

There should be stricter punishments I think.

[johnnyBv8]

Jimmy No Hands said:

While I don't agree with posts like this or fraud in general. It does amuse me how holier than thou the majority of Pistonheaders are. Whereas in reality I wonder how many don't actually have a garage, or go over their entitled mileage, or do commute to work daily and use for business. Or have even used fronting in the past. I bet an anonymous poll would yield some interesting results.

Get off your pedestals.

Jees - not a case of being on a pedestal; some (and possibly you?) are braver than me then when it comes to insurance - most of those that you list are fundamentals that I can't see how you could get away with lying about, e.g.:

1) Garaged when not - policies generally ony insure the car within 500m of your home if it's in the garage between (usually) 10pm and 6am....otherwise, not insured.

2) Go over entitled mileage - insurance company asks to see MOT, checked NMR etc.....over the mileage, not insured.

3) Commute to work daily - car gets damaged in work car park - probably not insured. Crash on way to/from work...witness statement and timing would probably mean you're not insured.

Edited by johnnyBv8 on Wednesday 20th July 23:46

[johnnyBv8]

Meoricin said:

Keeping a car in the garage is usually more expensive than the street or driveway

Really, is it? I'd always assumed garaged was lowest risk, then driveway, then street.

[otolith]

johnnyBv8 said:

Really, is it? I'd always assumed garaged was lowest risk, then driveway, then street.

I think the issue is with people damaging their own car while parking it. Might be different for something highly nickable, though when so many high value cars are stolen by beating the keys out of the owners, perhaps not.

[Mr2Mike]

JohnMR said:

I have a car. A relation is the named driver, and for all intents and purposes I drive it 'now and again'.

What do you mean by "for all intents and purposes..."? Are you actually intending to use the car less than the policy holder (in which case, no problem), or is this simply a round about way of saying you'll lie to the insurance company?

Of course, not having your own policy means you won't accrue any NCB, so your quotes are going to remain high and you are going to have to keep being a named driver on a grown ups policy for quite a while.

[firman]

Cub911 said:

I have decided to deploy the troll nemesis, bask in its glory.

I will see your fox and raise you 1 Honey Badger