Its not fraud atall and its perfectly legal. I actual spoke to a very good friend of mine about it. (he works in insurance)

And it is perfectly allowed. Unfortunately they will investigate any claim and also the car is not insured when parked up out and no one is in the car (unless his dad claims he was in it)

People have been doing this for donkeys years and as long as the car is insured and owned by someone other than youreself its perfectly legal...

Might get youre car impounded though if pulled over by essex police as they hate anyone that does it!!!!