Interesting read for you...
http://www.lovemoney.com/news/get-th...rer-10449.aspx
"Yet at the same time, insurers are doing more than ever before to crack down on insurance fraud. In 2009, the Association of British Insurers (ABI) says that insurers exposed 2,300 fraudulent claims every week.
If you get caught, then you can lose out on your insurance payout and even be prosecuted for fraud, which can mean years behind bars."
And some people wonder why insurance prices are rising?
On the fronting matter...
I work in an insurance broker and whenever there is a claim for a young driver (someone who just passed their test) on a parents policy, the insurance company always focuses on what use of the vehicle the named driver has.
For example, if the named driver has a claim whilst on the way to work, chances are they drive to work everyday, this would be something that an insurer would investigate.
Obviously it would be very hard to prove, but somehow if they did manage to prove it and decided not to pay out, you then have a voided insurance policy. Then you get convictions for driving without insurance etc...
I can see why people do it though, but then if you are getting a 4k quotes, try different insurers, phone them direct rather than using crappy comparison websites, chances are that the comparison website is just an indication of premium and they will be able to beat it anyway. Add named drivers to your policy, like parents etc, even if they dont drive your vehicle it should reduce the premium.