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

[Partyrocks]

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)]

Twins don't have the same fingerprints
If they were in a crash whereby the police attended this could create an awful mess, in addition to the medical implications already pointed out

Also sarkymarky is right about the criminal offence of an owner permitting the use of a vehicle without insurance
Rook and Imtryingveryhard are mistaken, although perhaps confusion has arisen because they are talking about the validity of the insurance and any civil claims arising and not the criminal offence.

@BeforeGodAndAllTheFish

You know that people all over the world use this forum, yes?

It’s obvious that the people concerned are in the U.K.

@Partyrocks

Unfortunately not really someone I'm close enough to to get involved and point out the pitfalls, just someone I sit in a group with while we watch the DC do a hobby twice a week.

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

What would it be like if after and accident, one of them was charged with a driving offence and sent to prison but it was the other who was driving? Someone's life destroyed because of a crime her sister committed.

If a policy is being used fraudulently and this is discovered, it absolutely can be invalidated.

Insurance company would take precisely 10 seconds to say insurance is invalid. They are not stupid and have come across every scam - fraud - known to man. DF is bonkers.

It's illegal, and in the US would carry a possible prison sentence. Not necessarily what you want to be teaching your children!

Unbelievable, that any adult thinks it's ok to purposely commit a crime, as that is what it is... and for the grandparents to collude with the parents...😳😲🤐

Is this for real? Fraud at the highest level. & utter stupidity on both parts. Driving licences won’t match for a start, it won’t take the system 5mins to uncover the truth. Absolutely astounding thinking

@SoupDragon

They’d be millions in debt forever

They wouldn't.

Just about to say the same. So dramatic

There’s some massive over-dramatic stuff here. I mean, it’s illegal and not great but…if one twin caused an accident and killed someone while driving on her sister’s insurance, she wouldn’t have to pretend to be the other twin ffs 😂😂

They would be in deep shit and at that point driving without insurance would really be the smallest part of the problem and not really a big deal to own up compared to the massive offence of killing someone! For a start, as soon as the police looked at the driving licence they would know who they were dealing with, or any of the cards or ID on their person. They don’t just blindly accept you are who you say you are, because people lie to the police all the fucking time!

That’s one of the stupidest things I’ve ever heard!

They would be in deep shit and at that point driving without insurance would really be the smallest part of the problem and not really a big deal to own up compared to the massive offence of killing someone!

Killing someone in a car isn't always an offence. E.g. if someone runs out in front of you without warning, and without you having time to stop, when you are travelling at a safe speed for the road - that's not, prima facie, an offence.

Unless you're driving uninsured that is.....

Ok, so at that point they’re liable for, at the most, driving uninsured which is “an unlimited fine” or losing your licence. Which, isn’t all that bad tbh. Not worth having to switch your whole life over for!

And also gets charged with TWOCing the car.

Unless the insured twin says they gave permission, in which case the insured twin has also committed an offence.

So you're putting both twins at risk of criminal records / fines etc. just to save a few hundred quid.

I don't think posters are being ridiculous at all in pointing out what a massively bad idea it is.

It’s a really really terrible idea, sure. But not the absolute over-dramatic “they’ll have to SWAP IDENTITIES!!!!” idea that it’s being made out as here. It’s just a common-or-garden fraudulent shit idea, not the plot of some Harlen Coben Netflix series.