Yes they will never find out until you need them and then you get charged with insurance fraud and the little bit you saved has to pay for your repairs when they cancel your claim and put an insurance fraud flag on your record.
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Frustrated with Quotes
- Thread starter Sig_Girl
- Start date
Yes they will never find out until you need them and then you get charged with insurance fraud and the little bit you saved has to pay for your repairs when they cancel your claim and put an insurance fraud flag on your record.
Berreta
Active member
I'm not riding. I'm getting insurance for my bike in 2 months (after I turn 21 in may). Got my bike a year ago and found out you need to be either 21 or have M1 for a full year. Didn't have either.
invictus43
Well-known member
Good luck with that.
GateKeeper
Well-known member
They match your drivers license and the address on it, to what you tell them and if it don't match, they will use the one from your DL, every now days is computerized and interconnected, they will find out, and know about
Yea people get charged with this type of fraud all the time. List the posted above me said they match your drivers abstract info when they run your initial check. Even if that does not have the address on it and you manage to get insurance with the fake address you will have a Drivers licenses and insurance documents without matching addresses. If you get pulled over that’s a fine they HAVE to match and that’s when you will get caught
So yea you might get away with it but most likely you won’t even be able to do it and if you can your risking some massive financial penalties not to mention being flagged for fraud.
To quote an insurance broker from another thread
"you want ownership, driver's licence, and insurance slips all to match for address. Simply tell your company where the bike is garaged, and they will override the postal code in the policy, thereby rating it for the correct location. With some motorcycle companies, they only distinguish between rural and urban areas - so it makes sense that North York and Thornhill are the same price. Auto insurance is a whole other story... I've had clients move down the street and premiums jumped or dropped significantly! Always call broker/company ahead of moving when dealing with car insurance - It might influence where you move if your auto insurance is a big chunk of your monthly budget."
You can however Garage your bike at a different location. However if you lie about were you store it .. Still insruance fraud.
Corey McNeely
Well-known member
I have worked in insurance claims for about 3-4 years (now doing sales) and can tell you without doubt, that we can find out if you are trying to fix your insurance. With the internet, there are many ways to confirm information and many ways of asking questions without it looking like we are to catch you on something. Remember that you decide to lie to your insurance company you have to keep all your storiess straight. They document every call you make and keep all documents you send to them. Very few people get away with it.
Also I would not take insurance advice from your driving instructer, police or anyone else. When you are sick do you ask your real estate agent what to do?? no you ask the person who knows. Same with insurance.
Also I would not take insurance advice from your driving instructer, police or anyone else. When you are sick do you ask your real estate agent what to do?? no you ask the person who knows. Same with insurance.
hmm i reside at waterloo and thornhill but i just told them to put down my waterloo address. I am living back and forth for 4 month periods, am i supposed to notify them every 4 months my address is changing . . . since i will be bringing my bike back and forth.
I would say it would come down to were it is the MOST but its a question for your insurance people and they might want to to default to were your address is.. IE on your drivers permit
Agreed. I'm moving to Toronto and my insurance is going to go up by over $400 per year. All my friends keep telling me to just leave it as my parents' address but I don't want to risk having my coverage dropped in the event of an accident.
If I Change my License info
and my Mailing address with the Post office
Please tell me how you can "without doubt" know I'm not actually staying at a Friends house When not at home
The cops are the worst. They always act like they know what they're talking about, too. Any time I've been in an accident that the cops got called to they told the people involved completely incorrect information.
If you have absolutely no bills under your name it would be hard to prove.
Will you be claiming on your taxes that you live at the address of your insurance?
Do you not pay rent, mortgage?
They would wonder why you are paying Hydro, Rent, TV, Phone etc for a place you "don't live at" if you have any bills under your name?
This. You seem to be under the impression you cant get caught. Will you? Probably not... Can you ? Absolutly? If you do are u willing to pay the financialy burden that will be put upon you? Risk VS reward
Corey McNeely
Well-known member
You would also be surprised how many people leave wonderful bits of information on their MySpace, Linkedin, Facebook, Twitter accounts. Also people don't usually care to send their 10,000 cheque to a friends house. You get into an accident, do you think your mind is not preaccompied with the accident or theft that you can keep up with your lies?
That is insurance fraud.
Where is the bike garaged the most during the riding season? That is the address you should use.
How many at-faults (partial or otherwise) have you have in the last SIX years? If both your claims were in the last six years, you are going to have a heck of a time finding affordable insurance. Even if just one was in the last six years, it will be tough. You are young, so two at-faults on your record is a really big deal.
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