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About LinkBacksWhy is it a fraud? I have declared to the insurance company that I drive the car. I don't recall them telling me about any rules like additional driver must clock in and out and drive 1/2 the miles of the main driver.Originally Posted by Guy
Why is it a fraud? I have declared to the insurance company that I drive the car. I don't recall them telling me about any rules like additional driver must clock in and out and drive 1/2 the miles of the main driver.
It's fraud because what you've declared to the insurance company isn't accurate and you're benefiting from it.
Just because the insurer hasn't imposed any of the arbitrary rules you've made up, doesn't mean it isn't fraud
You've admitted to being the main driver, yet for insurance purposes haven't been declared as such.
And to mention, if you think 'because I can get away with it' is a valid excuse, remember that's just asking for big brother/nanny states. I don't want biometric or driving data to be slurped by insurance companies, but that attitude will bring it about all the quicker.
If on the other hand you want to have freedom to be treated like an responsible adult then you have to respect the law back.
Is this the same law that wants £5k insurance for teenage or 1st time drivers? Insurance companies are a bunch of conmen
Don't like it, don't drive. Young drivers cause the vast majority of accidents, the rest of us are already subsidising them.
Insurance is based on risk, and statistically, young and/or inexperienced drivers have a higher pro silty of being involved in an accident than older or more experienced drivers.
http://www.sciencedirect.com/science...22437599000183
There is some research that young males do not develop an appreciation of risk until they are in their early 20s, and again statistics show that the risks of having an accident de line after the age of 25, which is reflected in insurance premiums for drivers when they reach that age.
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Hardly conmen, no one's forcing you to drive. Besides, they'll have been priced accordingly for a reason given the inexperience for young/first time drivers.
Can't say I'd ever be the first to jump in and defend the insurance industry, but in this case plenty of exceptions can be made.
The other point is that the named driver probably won't build up any no-claims discount (though this differs policy to policy).
I pay a hefty sum simply because I have epilepsy. I've never had a seizure outside the house (Thank god). Insurance Company deem me as a higher risk and charge me a hefty one especially when I had my Fiesta ST.
They can charge what they want, but when it comes to a claim. Wether people like it or not. Their first priority is "Can we make this claim invalid?" trust me. It's how they work.
And if they find out you aren't the main driver, they will throw everything at you. And I mean everything.
- Policy will be rendered invalid
- Premium will shoot up
- May affect any other insurance policy as they base it all on risk/probability
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