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?

You could offer to go on her insurance as a named driver, if it lowers the cost. Sometimes it does. (This is not the same as having the insurance in your name and having her as a named driver, which is illegal.)

Read your update, well done for saying no.

I am not the kind of person that plays life by the book

hahahahahahahahaha you dick

But isn't it polite to explain to her why you can't do it, because committing fraud is illegal and her insurance would be invalidated if she were not to use her own address? So that she doesn't think it's a good idea to ask someone else she knows living in the country?! Isn't it possibly ruder of you to leave her in ignorance of the facts?

If she gets done for fraud she will struggle to ever get insurance again.

I am not the kind of person that plays life by the book

Ooooh you rebel you.

I would also suggest a much older more experienced person listed as a named driver to reduce costs - can make a big difference, she could have you, her mum etc etc.

Yes, you can reply saying it's fraud. There is no other reason.

I'd be a bit wary about offering to be a named driver on her insurance to get the price down if she lives in London, say, and you're in Haverfordwest - insurers are getting pretty tight on attempts to reduce premiums and if it's blatantly obvious that you physically couldn't be driving her car regularly (ie, reducing the time she's in it, so lowering the risk) that's the sort of thing that might raise queries, if there are any claims.

Pyong, that is fronting insurance as they won't be planning on driving your car. Please don't follow that advice.

I am not the kind of person that plays life by the book

That kind of person is often called a criminal I believe

"Don't be daft friend, it's fraud and will invalidate your insurance"

OP, she could legitimately reduce her insurance by putting you, a friend, DP, sibling or parent on the insurance and it will probably be cheaper unless they have a terrible driving record. I think the rationale is that driving will be shared instead of a tired driver driving.

Both DP and I are mid 40s with good driving records. I have a clean licence and DP has 3 speeding points, so he is arguably a higher risk than me. On my own, my insurance is £290, but it was £230 with DP on it. DP probably drives my car a handful of times a year. I am also on my sister's insurance, who is a single parent and it does make her's cheaper as I have been driving a lot longer than she has. We do sometimes go on days out together in her car a few times a year, and sometimes I do share the driving with her, so it's not like we only do it to get cheaper insurance - there is an idenfied need.

If your friend hasn't yet bought a car, another thing she can do to get cheaper insurance is get the lowest group car possible - something like a Skoda Citigo, Seat Mio or VW Up, Peugeot 106 etc are very low group insurance (1 or 2 depending on model). It might even be worth spending more on a car like that than getting a much cheaper old car, that is higher group so more expensvie to insure.

It's only fronting if you lie about who the main driver is.

I'm not the kind of person that plays life by the book = I am happy to commit fraud.

OP Your friend was rude in asking you to commit fraud. It's perfectly ok to say "No, because that's fraud". No rudeness in that.

OP, you may not play by the book, but those of us who do are pissed off at paying higher insurance premiums to cover those people who commit insurance fraud.

But well done on being such a -criminal-- rebel.

Well done op.

To the person who is such a rebel - may you never be hit by an uninsured driver. May you or the person that pays your bills never be left unable to work due to an uninsured driver. Because if it does happen, you will learn why this law is there.

if I was crashed into, with my children in the car, by any driver whose insurance was bought with the concept of "not playing by the book" in the back of their mind when they bought it, I would do everything in my power to 1. to ensure that my reaction was completely by the book because people with that mindset can drag the worst out in people. 2. make sure they did not drive for the longest achievable amount of time.

this post is unreal. It's fraud. She would commit fraud. You would commit fraud. Get over it or tell her to take the bus.

You putting someone else on the insurance does not always reduce the premium, their age, job etc will affect it. My DP is older than me by a few years, but his job makes my insurance more expensive than it would be for me alone.

Even for getting quotes there will be a record of this against your house, the systems are very fast. We renewed last month, I couldn't remember the details of 2 incidents so I guessed (should have just checked renewal notice for details) and within a short time I was finding that the price comparison sites wouldn't quote me.

If she was to write her car off or have a large claim it might affect your premiums as your postcode risk goes up.

Here's a good reason- it's fraud. I could go to prison. Tell her to get the bus.

If it's her first time could she not have someone else who has experience on her insurance with her?

When I had just passed my test I hadn't been with DP for that long, and we weren't living together, but I insured us both on my car, with our own addresses etc and my annual cost went down by £280 quid I think. So you could try that?

I am not the kind of person that plays life by the book
You sound like a loreal/aftershave advert

@ You sound like a loreal/aftershave advert.