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 ?

As others said , it’s fraud, if anything happened, the cheaper insurance would actually be far more expensive because they wouldn’t be covered, don’t do it and explain why

It’s illegal and insurance fraud

Hopefully they lose their licence and get taken off the roads soon!!

Being ‘a people pleaser’ does not exempt you from holding to a basic code of right vs wrong. Let alone common bloody sense.

Hard no!
No way would I allow this.

Also criminally irresponsible

No no no a 1000 times no.
The person asking is a CF

Possible consequences of a conviction for fraud include a prison sentence, a fine, legal costs, losing your job, and a steep increase in your own insurance costs. I take it your relative is not offering to pay any or all of these if the worst comes to the worst?

I expect they wouldn’t even manage to buy the insurance giving a wrong address. I could tell and the databases I use aren’t as sophisticated as an insurer.

Yes, me too - I keep my car at dad’s house in a different part of the country to my home. I travel there by train and use the car when I’m visiting (very often). But you HAVE to be upfront with them about this, otherwise it’s fraud.

No. Lying on an insurance document is a very poor way of starting out in life.

Maybe tell the person that their insurance would be nowhere near as expensive if they'd driven sensibly and within the law and not got points. Honestly I don't know how they have the nerve to ask you when they clearly don't give a toss about being a responsible driver.

Give yourself permission to give them a piece of your mind.

Tell them you’ve had time to look at the implications for both parties, especially them, and it’s just too risky. You wouldn’t want their prosecution on your conscience.

This.

No it’s fraud

Exactly. I can’t help but think it’s OPs 20-something son or nephew. Statistically the most likely to end up with a ban for dangerous driving.

It’s also likely the insurance company will know.
Years ago my friend had her insurance randomly cancelled one day. When she contacted them it they had cancelled it due to suspected fraud.
It emerged when renewing the insurance she had checked the price of her current address and (innocently!) checked the price of the insurance in a new home she had just made an offer on.
Her current home was cheaper so insurance assumed she was trying to save money by falsely claiming where she lived.
It was rectified as she had proof she lived where she did and could explain why she’d been putting in other addresses and so the insurance was reinstated with no repercussions.

@fannycondensation Being a "people pleaser" should have zero effect on your morals of right and wrong.
It's wrong. It's fraud and if their insurance is already high because of points, maybe they should think about driving better and less about cheating the insurance company. Their morals are lacking.

No. Their insurance will not be valid when it becomes plain from their driving licence or other ID that they do not live at your address. Worse, it might be classed as fraud.

No.

This.
100%

It might even save theirs, or an innocent bystander's life.

No, it’s fraud and the insurance would be invalid.

Can they put a parent on ? Usually makes it cheaper.

there's no box on the form that says "do you have permission from the householder to use their address for insurance fraud"

i don't know why they're asking you - whether you are happy with it or not is irrelevant: it's no defence against a charge of insurance fraud to say "she didnt mind us using her address!"