Just don't declare it

I won't be putting any major details down, but a friend of a friend......bought a 1.1 litre mk3 fiesta, sent the log book off saying it had been re sprayed black. It cam back, he bought a MK3 XR2i stuck the plates off his 1.1 on it, changed the vins over and bam!! XR2i for 1.1 premium.

Now before anyone goes mad........My mrs works in insurance. If the claim on a policy is in regards to said policy holder then the insurance company try to find a way to not pay you to repair the car, or pay out for a total loss. Anything sub £1000 quid and your loss adjuster will pay out, over that heads up in "investigate" and someone will come out to see if all is as stated on the policy, ie, finding a way not to pay out.

My moto has always been, never claim ever ever ever!! keep your cars cheap, spend loads on things you can take off if you total it and put into a new shell.

Second of all

Yes, the said lad has been pulled about a million times in his "iligal" car. Only because he drives like he stole it. Vins match, plates match, insurance matches, away he goes. Do you honestly think mr police man even knows what he's looking at? And even if he did, you could say your V5 is being rectified as we speak officer, good lad he'd say, now on your way.

Everyone needs to toughen up a bit when it comes to insurance, it's ever so easy to bend the rules, just like they do with you, the policy holder.