An interesting concept there: you feel that I have TWISTED you words. I must admit, I don't think that QUOTING EXACTLY WHAT YOU WROTE C*A*N count as 'twisting'!
Secondly, by my great age, I am pretty WELL aware of why this 'attempt at fraud' is done!
It's what ONE of the things makes the insurance SO expensive for the REST of us!
Every kid who has his 'Mum' FRONT the policy and then has the INEVITABLE (well.... damned nigh!) accident while having paid too LITTLE of the cover they expected. increase MY premiums!
Remember, it won't be so expensive if it's LESS of a 'boy racer' car! Like the REST of us, you have to choose a car that you can AFFORD to insure no matter WHAT you FANCY driving!
Ian
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