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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:
MurmuratingStarling · 10/04/2022 16:50

OMG! Shock Just when I thought I'd heard it all! That's TERRIBLE! And incredibly illegal. I would be tempted to report him to the police tbh (anonymously) before the 'uninsured' twin has an accident, and here's no cover because the whole scam is found out.

He will be in waaaaay more trouble then, than he will be if he is found out now.

0800 555 111. Report him NOW @Partyrocks You can do it anonymously on that number.

MurmuratingStarling · 10/04/2022 16:50

*there's no cover.

MurmuratingStarling · 10/04/2022 16:51

I would be more than MILDLY shocked too!

BattledoreAndShuttlecock · 10/04/2022 16:56

In the words of David St Hubbins: it's such a fine line between clever and stupid.

This seems like a really cunning plan for literally thirty seconds before you give it some thought (or indeed bother to check how much putting another similar named driver on the insurance would be).

StageRage · 10/04/2022 16:58

What absolutely shit behaviour.

The uninsured twin is committing a crime every time they drive.

Such stupid people get into Uni?

Octomore · 10/04/2022 17:01

@BattledoreAndShuttlecock

In the words of David St Hubbins: it's such a fine line between clever and stupid.

This seems like a really cunning plan for literally thirty seconds before you give it some thought (or indeed bother to check how much putting another similar named driver on the insurance would be).

Tbh, the fact that the downsides are so obvious makes it more likely that this woman is winding the OP up.
MissChanandlerBong80 · 10/04/2022 17:07

Idiots. And criminals.

I really hope the uninsured twin doesn’t seriously injure someone, because how would that poor victim get the damages they need? Presumably they’d have to sue her but she may not have anywhere near the assets needed to satisfy the claim.

southOfthegarden · 10/04/2022 17:08

@Moodycow78

What if one ended up in hospital and had treatment under the name of the other. That could have serious implications in the future.
This happened to me

About 20 years ago my very close in age dsis was rushed to hospital - dm in a panic gave wrong name and dob.

I didn’t find out till this year when I had applied for life insurance. I cannot get it changed

Sarkymarky · 10/04/2022 17:11

Imtryingveryhard
S143 RTA stipulates that a person must not cause or permit any other person to use a motor vehicle unless there is in force in relation to the use of that vehicle by that other person such a policy of insurance as complies with the requirements by this as Part of the Act
The twin that allows the uninsured twin to drive is guilty due to the above
This in

tempester28 · 10/04/2022 17:14

Don't do this! if one kills someone in an accident are you expecting the other to go to prison on their behalf? I mean that is the worst-case scenario but entirely possible

Ohyesiam · 10/04/2022 17:23

Blimy, you lot do like to catastrophise.

ittakes2 · 10/04/2022 17:24

If the unnamed twin had an accident the named twin will take the blame?

woodhill · 10/04/2022 17:25

@countrygirl99

Thanks

It was a bit ambiguous and you are right

The whole scenario is absolutely bonkers.

Wait till they can pay for their own insurance or car would be my answer.

LondonQueen · 10/04/2022 17:26

Just had a thought that I'm pretty sure you can use crime stoppers to report stuff like this, I would make an anonymous report asap.

Sarkymarky · 10/04/2022 17:26

Should have added that it applies to the insured twin if she is or is not a passenger

Imtryingveryhard · 10/04/2022 17:27

@MissChanandlerBong80

Idiots. And criminals.

I really hope the uninsured twin doesn’t seriously injure someone, because how would that poor victim get the damages they need? Presumably they’d have to sue her but she may not have anywhere near the assets needed to satisfy the claim.

The insurer of the vehicle would pay out after an unsatisfied judgment was obtained against the fault driver. The insurer would recoup from the uninsured driver.
Cherrysherbet · 10/04/2022 17:28

That’s just terrible.

Octomore · 10/04/2022 17:32

@Ohyesiam

Blimy, you lot do like to catastrophise.
Er.... isn't planning for and protecting yourself in the event of the worst case scenario literally the entire point of insurance?
Changechangychange · 10/04/2022 17:32

She has said in the past when anecdotalling that "they're the same genetic person obviously".

Is she confusing twins with clones? ConfusedConfused

CormoranStrike · 10/04/2022 17:36

Very bad idea - won’t even cost too much more to insure both, as both cannot be driving at the same time so the risk isn’t that much greater to have both rather than one.

Imtryingveryhard · 10/04/2022 17:37

@Sarkymarky

Imtryingveryhard S143 RTA stipulates that a person must not cause or permit any other person to use a motor vehicle unless there is in force in relation to the use of that vehicle by that other person such a policy of insurance as complies with the requirements by this as Part of the Act The twin that allows the uninsured twin to drive is guilty due to the above This in
So how does a passenger cause or permit another driver to use a motor vehicle without insurance cover? It relates to owners/insured people. Read it again. Does the twin actually know? Also, that’s a criminal issue, not a civil issue. And what if the twin isn’t a passenger? It’s someone else the other insured twin doesn’t know about, and didn’t allow it.
Fuckitydoodah · 10/04/2022 17:43

This is one of craziest and stupidest things I've read recently. If there was a major accident it would be investigated and the twin driving would possibly be interviewed by both the insurance company and the police. They would do some digging, trawl through their social media etc etc. It really wouldn't take long for them to work out there was a twin.

When young drivers are involved it doesn't even have to be that major of an accident for the insurance company to be extra thorough.

TheMoreYouKnow · 10/04/2022 17:43

Sounds like a plot from "Twins". I'd stay out of it.

Adam77 · 10/04/2022 17:46

Sorry, what's DF?

Sarkymarky · 10/04/2022 17:56

Imtryingveryhard
It means that the insured person gave permission for the uninsured driver to use the vehicle in the full knowledge that the driver was not insured thus both committing an offence under s.143 .caused could mean the insured person told the uninsured driver that they were covered under the insured insurance when the insured person knew that the driver was not covered on that insurance. I was a Criminal Lawyer for many years and have seen several defendants in Court for allowing people to drive in the full knowledge that the insured knew the driver was not covered. I hope this helps to clarify the Law but believe me before I studied Law I would not have thought it was an offence

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