Would you let a relative use your address for cheaper insurance

[fannycondensation]

A young relative has recently started driving and has been quoted significantly more for car insurance using their actual address.
They’ve asked whether they could use my address instead because it brings the premium down considerably. They wouldn’t actually live at my address and the car wouldn’t normally be kept here either.
I’m really uncomfortable with it because I’d be worried about what would happen if there was an accident and the insurer discovered that the address wasn’t where they actually lived.
I’m a bit of a people pleaser, so I feel awful saying no when I know it would save them a substantial amount of money.
Would you allow it, or would you say no? Am I being overly cautious?
AIBU to say no ?

You could offer to be a named driver - that might bring the premium down and you don’t ever have to drive it! (As an aside my idiotic brother invented a doctor as a named driver and actually got his premium down a long way….yes I told him it was bloody stupid!)

Insurance companies can check the electoral role

There are other ways to reduce insurance costs without committing fraud, such as 1) put another person, such as parent, older sibling on license, 2) agree to having a “black box” in car, which monitors driving speed. If you suggest some legitimate alternatives, this may soften your “no” Good luck!

wtf. Why have they even got a quote at your address? That is utter cheeky fuckery.

Even if you were to agree their Insurance probably wouldn't be valid so its pretty pointless

They have points on their license already which might be a contributing factor as to why their insurance is so high .
Talking on phone while driving and speeding

Students doing this using a car at university full time but saying they are keeping it at parents house are investigated regularly, if they put in a big claim, or if they cause significant personal injury. One of the benefits of insurance is peace of mind that if you cause a serious accident you aren't going to be sued too. If you are committing fraud your fraud will invalidate the insurance.
Don't do it.

Why are you so scared to say no? What’s the worst that can happen? If this person falls out with you, it just proves that they are an unpleasant bully.

Don’t commit fraud (or any other criminal act) for someone just because you can’t say no!

Maybe this person shouldn’t be driving at all.

Yiu

You may not be able to stop them using your address but you mustn’t agree to it. More fool your relative if they use the wrong address on purpose.

I mean it’s up to them if they commit fraud but it’s sort of obvious the address you use needs to match the address on your driving license?!

When they have a claim for a million or so they put serious resources into checking for fraud. CCTV from private door cams, for instance. They pay neighbours for it. Milage on the car against expected to work etc, checking electrol role, witnesses, the list is extensive. Insurance fraud is all fine until you need the payout. Then not so good.

I have had to remind a particular relative who is always going on about the cost of insurance umpteen times... "This isn't the 1970's insurance companies have computers, they can check all sorts of public data bases to check your information."

Don't offer to be a named driver and get dragged into this either.

They sound like they want to cut corners and you cannot do that with insurance companies. Well not if you actually want validated insurance. It's just a waste of money otherwise and its illegal to knowingly make dishonest statements.
It might affect your own insurance if they put stupid statements on their form.

Its not a choice that you have. Its not won't do this but can't do this. you are keeping your young relative safe by saying no.

No

There are several legal ways to reduce insurance cost, this isn't one of them.
Tell them to go to moneysaving expert where there's a guide.
There's things like the order in which to check comparison sites and getting the right occupation - different wording can make a difference as long as that is your job, plus when you apply. I think two weeks ISH before it's due is ideal.
That may soften the blow but you still have to say no.

Absolutely not. I have my car insured at “not my main address” and I went to great lengths to ensure they understood I don’t live there, it’s just where the car lives and that they have my main address listed to. invalidating car insurance is a big deal and you have to declare it going forward.

As everyone has said, they will have no insurance if they have an accident. It's not just the cost of a few small repairs, it could easily put them in the hook for the full cost of a car if there's a write off and in the worst case scenario - if someone is seriously injured or killed - the bill could easily come to millions including legal fees, compensation etc. It would totally destroy a lot of people's lives. You would also be complicit and probably guilty by association. If this isn't enough to strengthen your resolve, I'm not sure what will.

No because that would be insurance fraud

This
and it’s a criminal offence!

And the address on their driving licence needs to match its fraught with issues

dont be so ridiculous

Absolutely not. If you want to help, offer to pay some of the insurance?!

Good grief.
With this extra information, I can't begin to think why you were even considering it.
It was always fraud. Always stupid.
But now you add in they have already been caught speeding and on their phone whilst driving.

Absolutely not, I deal with insurance fraud for a living.
it will be found out