Giving any false information to an insurer is fraud, as you are depriving the insurer of the correct premium for the risk. Address fraud is one of the most common, and insurers have systems in place to detect it. Of course, if you did need to claim, they would ask to see your licence so unless you have committed further fraud by also lying to DVLA, they would see the different address on your licence and V5 document. They can also check the electoral roll, so unless you have also defrauded the council, they can see which address you live at. As you can see, defrauding three different organisations just to save a few quid on your insurance is a big risk.
If caught, your insurance is void. You will be paying the cost of the claim yourself, and if other drivers are involved, and they have injuries, you are looking at a big payout. Your own insurer wont fight the case for you. Chances are that the other person's insurer will sue you in court and you will also be charged with driving without insurance which will mean that your insurance will go up even more if you can still get it.
When you defraud an insurer, they can put your details on an anti-fraud database which gets sent to all insurers. Your Dad would also be put on there as he has aided and abetted you by allowing you to use his address. Once you are on there, both of you will find it pretty much impossible to get insurance again.
· 7 years ago