This has happened to two people i know. It's actually pretty common and people think they are being really clever fooling the system when all you are actually doing is throwing away money.
They have some very clever techniques to check if you where the owner or not - things like checking who paid for wof/rego's - whos card has paid for petrol and other things as well.
If you are the owner and say your not i can guarantee they will find out if you crash.
martyyn: It has to be said, there are some rather naive comments in this thread.
To think you can claim to be the secondary driver when in fact youre the primary driver is just daft. Insurance companies are like sharks. There is no way you will get anything from them which they dont want to give. But its the kiwi way isnt it, to try and pull a fast one over the big nasty corporation.
Whats the first thing to pop into your head (thinking as an insurer who's job it is to think the worst of any claim) when you see someone who says they are the secondary driver but have the same name as their father ? I can guarantee it will be 'I bet this one thinks he can fool us' !
Im not sure including your excess in the amount is a good idea either. Youre just increasing your premiums and I seriously doubt any insurance company is going to pay you out the full amount if you claim. Any insurance agent who tells you otherwise is just looking to increase their commission.
The ONLY solution to insurance is to insure the item for its current market value regardless of what you paid. If an insurance company says otherwise go somewhere else because its entirely unrealistic for them to value an item based on a single transaction.
If you have something rare get yourself an agreed value policy with the value confirmed by an appropriate independant authority and in writing from the insurance company themselves and dont forget to re-evaluate the item on a regular basis and change your insurance value accordingly. The $4500 LCD you bought three years ago is now worth $1000 and $1000 is all you will get when you make a claim. So if youre still paying a premium based on $4500 you are paying way too much.
Finally, dont ever make the mistake of thinking an insurance company doesnt know the value of an item. The CSR on the end of the phone may not, but you can bet your house someone who does know will make the necessary valuations if you do make a claim.
One of my best friends is in the insurance business, as are two people Ive known for over 20 years, and I wouldnt trust them as far as I could kick them. So much so I wont insure anything through my friend because I know Ill be the one to lose should I need to claim and I dont want to end up blaming him thinking he was looking after me.
Gavin / xpd / FastRaccoon / Geek of Coastguard New Zealand
Fabian: The manager at Henderson AMI told me this while i had a meeting with her about another insurance matter.
LennonNZ: "Did you know that insurance companies have paid a crap load of cash to scientist to come up with a system that can work out how much alcohol was in your system when you crash even thou you may not have been tested for hours after the crash. So even if the police can't prove it, they can.
They can also access all your personal records like bank accounts etc, to find out how much you spent at a bar and can also get the video footage of you buying the drinks etc off the bar.
Have you been watching too much X-Files?? Seriously.. think about what you just said. Did a friend of a friend or a mate tell you all this? Or do you know all this a 100% fact? Proof?
Never attribute to malice that which is adequately explained by stupidity - Robert J Hanlon