Is that your guess or is that actually how it works? That seems rather simplistic.the court fine is issued to you when you hit someone, your insurance company fails to honour your fraudulent policy, you subsequently get arrested for fraud and all the costs are dumped squarely at your feet.
I did smirk at the bankruptcy question, fond of taking the easy way out?
the internet never sleeps, if kids can get arrested for speeding by omission on a forum I doubt it's beyond the realms of possibility that insurance fraudsters could face an equally similar fate.
we can only hope eh?
Admiral were cheapest by a mile. 1NCB and no accident gave a quote £4 cheaper than 0NCB and my accident. Nobody else could come close on either respect. £625 fully comp at 18 isn't bad
I almost mentioned this earlier. The only way that an investigator would get an idea of my use of the car would be to ask people who see me drive. I have access to a pool of other cars and if I were to make a claim I would not use the car the policy is on. That isn't some hindsight view - I was very deliberate in not paying for MOTs (though that was also for another unrelated reason), tax, the policy, maintenance etc. In fact, even if I hadn't planned to use another car, if the insured car was in need of repairs I would simply use one of the other cars anyway.
I don't have any friends in high/strategic places, but I am certain that the averagely skilled claims handler wouldn't even see the signs to warrant an investigation, and even if they did, they'd find very little. It would only be the casual observations of neighbours. My car changed several times, and these cars were both also driven by other members of the household before I took them on.
Firstly, I haven't fronted an insurance policy since early 2006-ish (IIRC). We are talking about nearly 5 years ago.
My first year came to ~£1,050 and I was earning £15,210, so just under 7%. This was in 2005.
