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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

To be mildly shocked at DF only insuring one twin on car?

216 replies

Partyrocks · 10/04/2022 14:19

DF* has 18yo twin girls.

The both passed the driving test within a week of each other. And grandparents have bought a Car for them to share.

As insurance is so expensive, DF and her DH and the grandparents made a decision to just insure one daughter. With the thinking that if anything happened to the uninsured one it'll all be fine as they'll be able to pretend that they're the insured one.

The girls are going to same University and taking the car.

The girls are fully aware and a literal coin was tossed to decide which one would be It.

AIBU to think this is not on?

  • [Post edited by MNHQ. OP had originally typed DD, when she meant to type DF (dear friend)]
OP posts:
Babadook76 · 10/04/2022 15:04

@Mummyoflittledragon

Please pay the extra. If the uninsured twin accidentally kills someone, it could ruin their life. They’d be millions in debt forever and go to prison for a very long time.
This. Bad enough if one of them dies and has to swap identities. But what if the ‘wrong’ twin kills someone? They’ll get taken straight to the police station and fingerprinted etc, fingerprints are different even with twins. At some point they’ll find out about the identity fraud, or they’ll have to see it through and get done for man slaughter
bluebaul · 10/04/2022 15:04

@RandomMess

FFS totally illegal and invalidates the insurance for both of them!

This is not true though: one town would be insured, the other not insured. There isn't a question of 'invalidating'

bluebaul · 10/04/2022 15:04

Twin not town Confused

MySecretHistory · 10/04/2022 15:05

If they are un Uni accommodation they require insurance in their name
No fronting allowed.

Octomore · 10/04/2022 15:05

@BurnDownTheDiscoHangTheDJ

I went to school with a pair of identical twins. They both did things as the other twin to work to everyone’s advantage including one sitting the others driving test and one sitting the others A Level Biology exam. Shocking, but they got away with it and are now both late 30s with no consequences having come back to bite them that I know of.
How on earth could this work? If they were both doing biology A-level, they would both have had to sit the exam at the exact same time. No swapping would be possible.

If one of them wasn't sitting the exam, they also wouldn't have attended the lessons/learned the syllabus and therefore there would be no use swapping.

Are you sure they weren't pulling your leg?

Spudlet · 10/04/2022 15:05

My SiL, who has been driving for years, very safe, insured, all of that, was hit head-on a few years ago by another driver whose tyre had burst (they think). It caused both fatalities and life-changing injuries... it was a complete and total accident with no-one at fault but the impact on several families was huge. And of course there was a police investigation to look for the cause, any anything remotely dodgy with insurance WOULD have been discovered, no doubt about it. SiL had her phone taken away to be examined, the wreckage of both cars was taken away to be analysed - it was really thorough.

They were just driving down a main road into town one morning, and the other driver, who didn't survive, was running an errand. These things do happen, and they can happen to anyone! It wasn't late at night, it wasn't a particularly dangerous road, no one was speeding, no one was drunk - it was just terrible, terrible luck. A few seconds later or earlier and they wouldn't have collided.

Your friend is being incredibly stupid. They might get away with it for a little prang, but if a bigger accident happens, which it absolutely could, they will be fucked.

OneTC · 10/04/2022 15:06

It's an impressively stupid and short sighted idea

Even ignoring all the really obvious negatives when uninsured twin finally gets their own insurance they'll have lost out on the ncd or discounts accrued by the other.

Okeydoky · 10/04/2022 15:07

I'm assuming the OP had a typo and and first DD should be a DF and the twins belong to a friend.

StoppinBy · 10/04/2022 15:10

As a twin myself...... I would not have been happy to be asked to take the fall for my sister if she crashed a car.

That kind of thing sticks with you for years, more $$ insurance in the future, potential legal repercussions depending on the type of accident etc..... No thank you!

DietrichandDiMaggio · 10/04/2022 15:11

@Partyrocks

Just spotted typo in OP!

DF (DEAR FRIEND) has 18yo twins.

Nothing to do with me, someone I sit with watching children perform a hobby.
Many apologies

Not the point of the thread, but why did you call someone you barely know Dear Friend?
diddl · 10/04/2022 15:12

So what is the uninsured twin going to do I wonder?

rozzyraspberry · 10/04/2022 15:13

As pp said insurance for them both won’t be 2x. When my ds passed it didn’t add that much as older ds who had passed less than a year previously was also on the insurance.
Only one can drive the car at a time..

Octomore · 10/04/2022 15:15

It's just insane. Can you imagine tossing a coin to determine which of your children you expect to break the law regularly for the next few years, all because you want to save a few hundred quid?

And can you imagine being the 18 year old stupid enough to think it's a good idea, risking fines and imprisonment just to save your family a bit of money? Jesus.

Octomore · 10/04/2022 15:16

And of course the grandparents who benefit from the small saving are taking no risks at all themselves. They wouldn't drive uninsured to save money, would they?

Utter shits.

Briony123 · 10/04/2022 15:17

@Spudlet

My SiL, who has been driving for years, very safe, insured, all of that, was hit head-on a few years ago by another driver whose tyre had burst (they think). It caused both fatalities and life-changing injuries... it was a complete and total accident with no-one at fault but the impact on several families was huge. And of course there was a police investigation to look for the cause, any anything remotely dodgy with insurance WOULD have been discovered, no doubt about it. SiL had her phone taken away to be examined, the wreckage of both cars was taken away to be analysed - it was really thorough.

They were just driving down a main road into town one morning, and the other driver, who didn't survive, was running an errand. These things do happen, and they can happen to anyone! It wasn't late at night, it wasn't a particularly dangerous road, no one was speeding, no one was drunk - it was just terrible, terrible luck. A few seconds later or earlier and they wouldn't have collided.

Your friend is being incredibly stupid. They might get away with it for a little prang, but if a bigger accident happens, which it absolutely could, they will be fucked.

This ^
Dancer47 · 10/04/2022 15:17

That is one of the most stupid things I have ever heard. It is also criminal fraud.

Hortensiateapot · 10/04/2022 15:19

I’ve heard of someone doing this with two identical black cats for pet insurance…. Until one had its leg off Confused

oakleaffy · 10/04/2022 15:19

That is utterly wrong and fraudulent.
The other twin needs her own insurance.

oakleaffy · 10/04/2022 15:20

@Hortensiateapot

I’ve heard of someone doing this with two identical black cats for pet insurance…. Until one had its leg off Confused
Doesn’t the chip number flag up at vets?
Pamlar · 10/04/2022 15:22

Smart, money saving plan.
What could possibly go wrong...

Snoozer11 · 10/04/2022 15:23

To insure a second person on the same car is not much more expensive.

They can't both drive it at the same time.

Piper22 · 10/04/2022 15:24

That is awful and it’s fraudulent. Absolute idiots

Sarkymarky · 10/04/2022 15:26

It is an offence to drive whilst not insured and the passenger twin would also be prosecuted because they are aware the driver was not insured. What happens if they want a job where you have to supply their driving licence and it shows the points and reason. They would not get the job. Please op pay the extra it is not right to put this on your dc

SirGawain · 10/04/2022 15:27

You need to put your foot down as one of your DDs will be driving without insurance.
They would both be uninsured. This attempt to defraud the insurers, (which is what it is), would invalidate the policy and could lead to criminal charges.

Imtryingveryhard · 10/04/2022 15:27

@BoredZelda

FFS totally illegal and invalidates the insurance for both of them!

The insurance for the insured twin won’t be invalidated.

It will be if the insured twin says she was driving if an accident/crime occurs when it was actually the other twin and they are rumbled. I’m Sure the IFB will be interested and it can be reported to IFIG so insurers are aware re future events. Insurers share a lot of info.