Thats fair enough and if you can afford to and don't mind paying thousands for nothing thats great but telling people its a good way is wrong imo.
Think what people need to remember is when you get insurance, the company is under a legal obligation to cover you against third party liability, and if they want to void the contract between you and them over a discrepancy in their terms and conditions, in affect breaking the contract then they need a very good reason backed up with proper evidence - not simply "there are 3 cars at your house so your the main driver of the small one" !
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