Using my address?!

[Kungfupandaworksout16]

Got home today to a letter, too see my maiden name on it, open it and realise it was a letter addressed to my COUSIN for her car insurance and how she's renewed it at my address.
I was not told about this, and when I contacted her she told me " it's £15 per month cheaper at your address and too stop moaning"
I doubt if I had got that letter I would of had no clue her car was insured at my address
AIBU to be absolutley annoyed and WWYD about this situation?

If the car was registered as OP's address, then the new log book would be sent there.

Just to point out, OP said £15 per month, not year. Still, she'd pay a lot more than £180 when found guilty for fraud.

If your area (and house) has off road parking, is she saying she's parked on the drive at night? She probably is too.

jessie my cousins the kind of girl who would haggle over 1p. Cries poverty but far from it so doesn't surprise me.

fuckabout this is the only thing I have received so not quite sure if she's actually registered her vehicle here or not , it's only the insurance policy confirmation I got.

My MIL wanted to use our address for no end of stuff. Had a barny with DH about it in the end as I wasn't happy about it.'

At least she told him in advance that's what she was doing.

Op, if her car is stolen (which might be the case as she lives in an area with higher risk, hence the extra premium for her own address), the insurance company will ask for her log book and a copy of her driver's licence. If the three don't match up, there is no pay out and a fraud investigation is started. This may also apply if her car is written off. The former is true (I deal with such claims), the latter may not be but you could tell so anyway. Is that a risk she is willing to take for £180?

Just to clear up the information about credit ratings up thread -this isn't based on addresses. Address blacklists don't exist anymore. For cousins debts to affect OP, they'd need to be financially linked - through joint financial products like a current account or mortgage. Living at the same place isn't enough.

This will be enough to trigger a tax credits compliance check though, if you or she gets tax credits and they happen to do any investigation.

It is insurance fraud, as everyone has said, and I wouldn't give her 7 days to sort it - that's a whole 7 days too long, she's making you complicit in her fraud.

Good point. All she has to do is ring the insurance company today and correct the address.

He was committing fraud Flappy, yes.