Friend asking to use my address

[mallamloll]

To get her car insured to as it costs too much at her house.

How do I reply to this?

Ridiculous and illegal idea.

Plus she'd have to change her driving license to your address as well. Bet she hasn't figured that out.

How is not wanting to be party to fraud not a good enough reason?

It would also invalidate your insurance because one of the first questions they ask is how many cars are at your address. So you've effectively lied on your insurance

You'd get a credit check if you pay in instalments

You don't even need a good reason to be honest. If my friend asked me this I'd just say no I don't want to and a real friend would respect that.

Well, how close are you with her?

I would let one of my closest friends use my address.

She shouldn't have asked you. That's not the action of a good friend.
Are you frightened of her?

Because if she does need to use the insurance it be invalid. Its fraud and a company would cancel the insurance and fine her.

I would let one of my closest friends use my address.

What the fuck have I just read?

"Of course you can't you lemon, that's fraud!"

But now you've dug yourself in a hole with all the excuses and by using 'we' you're going to struggle to just say no now

Why wouldn't "fraud" be a good enough answer?!!

Why can't you tell her it's fraud? That's bizarre!

If she asked you to kill someone for her, would you have difficulty explaining to her that you can't because it's.... murder??

You have some issues don't you OP.

Here is what you should have said -

"Using our address for your insurance is fraud and an illegal act. Sorry can't be of more help".

You get a credit check if you pay in instalments

But that's not relevant in this case. In this case the material fact is linked to registered owner, registered address of the car. It's only likely to be picked up at point of claim.

@hulkjuice - you'd participate in fraud and what is essentially illegal?

I know it's know true zebra I only said it to make an excuse to say no.

She's replied saying 'I suppose' so that's it dealt with.

I didn't want to be rude to my friend which is why I didn't outright say no it's fraud and 'we probably shouldn't do it'

I would let one of my closest friends use my address.

But if she ever needed the insurance and the fraud was discovered, very likely, they wouldn't pay out - so it wouldn't be worth having at all. They'd be paying money ever month for essentially having no insurance.

Can't the friend look at black box schemes - or other legal ways to reduce the insurance?

No its fraud, don't even think about it. You could be jailed and this would also affect your ability to get insurance and financial products in future.

I didn't want to be rude to my friend which is why I didn't outright say no it's fraud and 'we probably shouldn't do it'

I don't see how pointing out something is fraud is rude and yet her asking you to commit fraud isn't!

Your friend is rude to ask you to commit or collude in fraud with her!!!

"No, sorry, not possible, it's fraud for you to use my address."

She's got over the idea now she's just annoyed insurance is so high for her first time but I explained everyone's is that high the first year and cars are expensive.

Well it's sorted now. I still would have told her. Maybe she doesn't realise it's fraudulent and she would have appreciated knowing that for the future.

"No because it is illegal and will invalidate your insurance

This is the only answer. If you want to soften it for whatever reason you could say "it won't help you because your insurance will be invalid if you don't use your actual address and we could both get in trouble as it's classed as fraud."

I didn't want to be rude to my friend which is why I didn't outright say no it's fraud and 'we probably shouldn't do it'

It's fraud - and would invalidate the insurance making it worthless to you.

That the reply I'd have sent. I don't see how stating the truth is rude.

@Umpteenthnamechange I am not the kind of person that plays life by the book, I would take the chance for a good friend.

@deugain Well that's the chance that she'd have to take.

Thanks for the comments everyone I freaked for a moment, as I didn't know what to reply.

But i nipped it quickly even though it was done somewhat softly.