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?

Er- youwouodntletitlie....

🤔 Didn't say I was struggling, I know exactly what it is thanks. Each to their own. If her friend wants to take a risk to avoid something then she's an adult, she can make her own choices.

I just personally wouldn't knock her with "it's fraud, no" there is lots of other softer ways she can approach it.

I'm not going to argue with what "you" would do as to put it bluntly, I very much doubt people would say that reply to a friend at all.

Motherof3 I would tell anyone it was fraud, but I wouldn't lead with that. I would lead with 'no, that's a really bad idea because they'll happily take your premiums and they won't check details until you need to claim. Then they'll just refuse to pay out. If that ever happens or if the police ever check your insurance for any reason you won't have a leg to stand on because it's fraud.'

Mother
Of course I would say it's fraud. It might be my car they crash into without a penny of insurance or worse still hit a person and disable themfor life. Nope if they can't afford it then they don't drive a car its pretty simple. And you saying you wouldnt care I bet you bloody well would is some uninsured chancer wrote off your car and you found yourself with no comeback and no car. Don't be so smug. Telling the truth isn't going to traumatise them for life!

mother-. I would definitely tell a friend it was fraud. But I can't think of any friends that would put me in that position anyway. I would probably say something like 'no you can't. Do you realise that it's fraudulent?' Just in case they didn't realise.

The cost of lifelong healthcare when personal injury is involved can be mind boggling. I worked in Broking when the Boparan crash occurred. That story still breaks my heart. Just read the attached and see how much money (never mind emotionally) it cost to care for Cerys. If this happened and then insurers refused to pay out because someone was trying to be a cheapskate and doge their premiums then the person who allowed the fraud to occur would also have to live with the fact insurers refused to payout for the injured. I wouldn't want that on my conscious. Would anyone?

www.telegraph.co.uk/news/uknews/law-and-order/12196056/Millionaires-son-who-left-baby-brain-damaged-could-face-charges-over-her-death-ten-years-later.html

Don't flannel, just give people the truth. It's not "rude" unless you're saying something cruel.

OK. Totally get where you are coming from. Why would you tell your FRIEND "oh it's FRAUD, no way" that sounds very snotty. I know that none of my friends would say that to me, if they did, they wasn't a friend. I'd probably get attacked now but.... if you want to do it, do it. It's your choice and I know people who have done this. Never any backlash and never a problem tbh

^^
So glad to see that someone has written this, I bet there is plenty of people on here that wanted to say the same thing but scared that they would be attacked, there's a lot of us that would take a chance to help a friend.

Nope.
A "friend" wouldn't ask you to do this.

Hulk. No one is attacking you. Also most of us don't condone criminal activity. We just pointed it out to you.

You say criminal activity, as if you were asked to harbour a murderer. What OPs friend was asking her to do is at very low scale.

And yes I was attacked I was called some very nasty names which there was no need for, I will not be a victim of online bullying.

It's is criminal. Imagine if Cerys parents didn't get the payout because some idiot (yes idiot) and their friend committed fraud. Even you don't have anywhere near the money to cover those costs. Yes I think fraudulent behaviour is shameful and I judge people that do it / condone it as low lives.

Ah, the 'victimless crime'. No matter that law abiding motorists pay extra to fund those who don't bother with proper insurance.

No matter all the people who's cars are damaged through no fault of their own if they are hit by an uninsured driver, they can just pay for their own repairs, nobody minds!

Or even worse, if an uninsured driver seriously injures someone, the victim will happily pay for their own care costs for the rest of their life, possibly lose their job, lifestyle, home etc etc because they can't work any more. A whole family's life could be ruined because it's 'very low level' to lie to your insurer to save money.

No-one likes paying for car insurance and the pricing can often seem very unfair, but the fact of the matter is that if you run a car, you must insure it properly.

For clarity, if the friend lies about her address, even if she has insurance, her insurer won't pay out, so she might as well not be insured.

What gives you the right to use the word "lowlife" it is people that use that word frequently that are actually lowlifes themselves.

I am very happy and content in my life that I do not judge or put anyone down.. you see that's how happy are, those who are quick to judge and insult people, are full of self hate and have nothing going for them.

My words to you are go and find happiest.

happiness

It scares me that there are people like you Hulk who genuinely can't see what is wrong with doing something illegal as you're just doing a favour for a friend. Can you not understand the consequences for someone who is in an accident with an uninsured driver? You might not live life by the book but I would hope that they would throw the book at you if you colluded with someone to commit fraud.

I wouldn't help a friend commit a crime, no, why should I?

But it's not as simple as doing a good deed for a friend, with no repercussions, HulkJuice, is it, it's a crime and could land you, your friend, and some innocent other road-user(s) in deep trouble eventually, as the insurance policy would be invalidated. Not worth the risk for anyone.

What gives you the right to use the word "lowlife" it is people that use that word frequently that are actually lowlifes themselves.

I have the ability to empathise with the victims of the criminal behaviour. The people whose lives are destroyed by low life cheapskates wanting to save a few quid. I don't have any sympathy for the criminal and those that condone criminality. If you can't afford the premiums find an alternative.

cheapskates & few quid

The more you type the more the sort of person you are comes out, I know feel embarrassed for exchanging words with someone who is below me.

now

Hulk maybe you can pry for me too. I am sure you are going to find MN an interesting place.

Hulk

Nobody could be so thick that they do not get what everyone is saying.

1. Your 'friend' would be paying premiums every month FOR NOTHING

2. Your friend would be commiting a CRIMINAL OFFENCE

3. YOU would be implicit in this

4. If your friend was involved in an accident the person could SUE them for every penny they have as they dont have insurance to cover it.

5. If your 'friend' doesnt have any resource to pay compensation the person would be everything that pp said - possibly losing wages, house, in care for years without income. Would you really want that on YOUR conscience?

6. Your friend would be PROSECUTED for driving without insurance.

7. if you are still being bloody minded about all of the above you really are a selfish, blinkered person (unlike the caring, religious, 'better than everyone else' person you believe yourself to be)

Beware Karma, she is a bitch. When the day comes you are hit by an uninsured driver and your car is written off, you are injured (not wishing this on you but it could happen) do come back and tell us how its ok, you dont mind a bit.

For someone who says they don't judge others or put them down, Hulk is coming off pretty judgy here and is putting down a lot of people.

people who are below me 😂😂😂😂😂😂😂😂😂😂😂

Ha! One of those glorious threads that takes a sudden and unexpected turn into "batshit crazy"!