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?

how would it be any lower in her name at your house?
Because the cost of car insurance depends on many factors, not least the place where the car is normally kept. So, as somebody up-thread has already pointed out, insurance in a city would be more expensive than insurance in a rural area, reflecting differences in the historical crime and accident experience of the Insurers. Even keeping a car in a garage rather than on the street can infuence insurance costs noticeably. Also, I'm willing to bet that alarm bells will ring the minute the Insurers look at the Electoral Register.

HulkJuice, not playing life by the book is fine if it means hanging out your washing over night, drinking beer on a school night or living on a house boat. Crime and harming others are huge twat moves though.

'I don't play life by the book' sounds very Ron Burgundy.

Or David Brent .

I make one comment, and people think it is fine to throw insults at me, I hope you feel good about yourselves.

Your comment was ' I would willingly be party to a fraud'. What reaction did you expect?

60% of the time, it works everytime. Love that film.

You made a comment about not living by the rules, it sounded like people who abide the law are a bit restricted.

Oh dear. You didn't say no. You said "Not sure if it affects me because I let you use it so I'm not sure if we should. "

She didn't say she wouldn't use your address she said "I suppose".

If she uses your address anyway, those texts could be interpreted as you agreeing to it.

Is your friendship so weak that you can't say no and be honest? Is she a complete nightmare this one?

If I were you, I'd back up the vague text with one that's clear if you ever end up in court "Just needed to be absolutely clear hun, don't use my address. I can't be getting involved in the fraud of the century even for my bff! Hope you get a good deal in the end. See you tomorrow. x "

The "hun" bit is a MN joke obvs.

Having worked for an insurance company OP I can tell you that they love people like your mate. They pay the premiums and then, when they make a claim, the company doesn't have to pay out, but it gets to keep the premiums. Lovely!

HulkJuice you sounded like a dick. People reacted as such. Is that really such a surprise?

We should all be entitled to our own opinion on here without people throwing insults, I would never insult someone for having an opinion on something just because I didn't agree with them, it is not nice.

I think people should think before they type, as what they say could offend someone; I'm offended.

Hulk one of the things I have learnt on MN over the years is you will be held to account for what you say/type. It's fine expressing your opinion but you sounded like you were advocating fraud. That's not on.

No way would I let a friend use my address for that. I am not getting involved in fraud for anyone.

Hulk you can have all the opinions you like but when you say you would be happy to help someone commit fraud then you should expect a reaction.

Plus you would be helping your friend throw her money away as no insurance company would pay out and she could be sued for any damages/injuries caused which would be a lot more than her premiums cost her, so actually paying twice for any accident she caused. Whats so clever about that?

You can have trouble getting insurance in the future if it is discovered. It is quite all right to refuse to do things that are illegal.

@Willow2017 I say this because I know plenty of people that have used family/friends address, and obviously they already know the consequences.

I don't understand wheee the word clever comes into this

Had an insurance company threaten to void my insurance as my V5 did not match the address in my license (house move forgot to update V5) they were doing an audit on my policy, cue panic as I then had to cancel the insurance to avoid having to declare void insurance to another company and get the V5 updated..

So unless she updates everything to your address V5, license etc she could find her policy being voided

Hulk committing fraud and conducting or supporting illegal activities is not "not playing life by the book", so stop trying to please yourself.

So very many people have pointed out to you that condoning fraud and participating in it is well - fucking - FRAUD.

That's not the same as adding some chilli flakes to eat with your hot chocolate on getting drunk on a Wednesday, is it now.

Jesus Christ.

"I don't like playing by the book, your honour".
"That's fine, you are obviously superior to other people and don't need to comply with the law".
You hear it all the time in court.

@Umpteenthnamechange Excuse me, I don't understand why you have taken the time out to comment on something that was said yesterday. In my life I will do anything I can to help friends and family and also others in need, I do it simply out of a good heart (in reality if a friend couldn't afford her insurance I would I would help her pay for it)

That is the reason why God continues to bless me, I'm 26 and have over £2,500,000 in my bank account, I can only put this down to my kind nature.

Another thing I don't understand is why people are taking this as if I said I would harbour a criminal or condone something else on a serious scale, I usually wouldn't comment back but I won't be insulted by strangers online.

Obviously she can't use your address as it's fraud, she'll just have to suck up the premiums.
We once had to claim for two stolen cars, the insurance company was very thorough with their checks and even though everything was legitimate, it still took over a month for them to pay out once they realised there was no way they could avoid doing so.
Her insurance would be void if she used your address, not to mention its fraudulent to to do, she may as well not bother with insurance (not actually a serious suggestion!)

That is the reason why God continues to bless me, I'm 26 and have over £2,500,000 in my bank account, I can only put this down to my kind nature

That is one of the funniest replies I've read on mn.

Sadly my kind nature has not been so financially rewarding.

OP. You would be committing fraud as well. Your credit rating could be badly affected. She will be committing fraud and her insurance would be null and void.

@Hulk Juice. Well done you for being so helpful with friends and family with what is a big stash for a 26 year old or anyone in this country. I'm sure most posters would help out in your situation. The point of the thread is that the OP was asked to participate in fraud to no point and probably doesn't have money like yours to help out and would be incriminated.

You would be committing fraud as well. Your credit rating could be badly affected.

Why are you saying the OP's credit rating would be affected? It wouldn't at all.

Glad the OP understands that this is a really bad idea although I know several people in London who have used their parents' addresses to get cheaper car insurance and seem to have no shame that this is fraud. I write this as someone who pays an extortionate amount of car insurance because of where I live in central London but prefers to see it as an "integrity tax" rather than taking the fraud option and using my parents's address out in the sticks.