Beware when doing "dummy" quotes

Quentin

You quote the 'warrant' you are required to make.

Submitting a false dob would be a breach of your warrant.

Much easier to do dummy quotes if you want to submit false dobs to find out the cheapest one to use

nobbysn*ts

Quentin wrote: »

You quote the 'warrant' you are required to make.

Submitting a false dob would be a breach of your warrant.

Much easier to do dummy quotes if you want to submit false dobs to find out the cheapest one to use

Wouldn't be a breach at all, for the reason I stated. I warrant it is full and complete, when used to arrange an insurance policy. You can't selectively use part of the paragraph. Although, equally, I also would use a false name, false address, as I would also clearly not expect B Lightyear to complete the purchase.

rudekid48

nobbysn*ts wrote: »

Not really, quotezone for example "It is your responsibly to ensure that all information used by an insurer in arranging an insurance policy for you is correct. You warrant to us that all information you submit to us is accurate and complete to the best of your knowledge" - I'm not arranging a policy. I'm getting quotes for various options which will then enable me a arrange a policy. At that stage I have no intention of carrying through. But when I do arrange it, based on the different quotes I've received, I will indeed then check the information used for that policy is accurate and complete. As your example, if I choose to wait a few days, and let my age change by a year, based on previous quotes, the information used for that policy will be correct.

You're missing the point a bit here. Your DOB does not change, so when you start changing it you naturally raise suspicion and start to trigger anti-fraud measures. The correct way to do it if you had a birthday in a few days would be to simply change the start date of the quote/policy. Nothing "dodgy" about that and highly unlikely to trigger any fraud alerts.

eddddy

Quentin wrote: »

...
Much easier to do dummy quotes if you want to submit false dobs to find out the cheapest one to use

It depends what you mean by "dummy quotes".

What the OP is correctly saying is that if you request a quote for:

"John Jones, 27 Acacia Avenue, DoB 10/5/90"

then request another quote for:

"Peter Smith, 52 Acacia Avenue, DoB 10/2/90"

...the insurer can easily see that these requests came from the same device (i.e. the same PC etc) at the same IP address (i.e. probably the same house), and perhaps within 5 minutes of each other. So it will be fairly obvious that somebody is "playing".

Arguably, the insurance companies will see this as being even more devious that just changing a DoB.

And it is still breaking the T&Cs.

nobbysn*ts

rudekid48 wrote: »

You're missing the point a bit here. Your DOB does not change, so when you start changing it you naturally raise suspicion and start to trigger anti-fraud measures. The correct way to do it if you had a birthday in a few days would be to simply change the start date of the quote/policy. Nothing "dodgy" about that and highly unlikely to trigger any fraud alerts.

The only problem with that, is it doesn't work. The insurance still quoted for the details entered, It merely starts the same policy later.

nobbysn*ts

eddddy wrote: »

It depends what you mean by "dummy quotes".

What the OP is correctly saying is that if you request a quote for:

"John Jones, 27 Acacia Avenue, DoB 10/5/90"

then request another quote for:

"Peter Smith, 52 Acacia Avenue, DoB 10/2/90"

...the insurer can easily see that these requests came from the same device (i.e. the same PC etc) at the same IP address (i.e. probably the same house), and perhaps within 5 minutes of each other. So it will be fairly obvious that somebody is "playing".

Arguably, the insurance companies will see this as being even more devious that just changing a DoB.

And it is still breaking the T&Cs.

Not really, Through a firewalled router, so already it's down to router address. Now, reverse ip on mine shows as a block of BT, somewhere 200 miles away. Then consider I go through, say quotezone. so quotezone have to pass my ip onto each insurer, (which is already down to a bt server). Regular router resets, not a static ip, and this also changes. And that's just down to normal internet protocol. Blocking cookies, regular clean ups, and I'll take a chance B Lightyear next door will be ok.

eddddy

nobbysn*ts wrote: »

Not really, Through a firewalled router, so already it's down to router address. Now, reverse ip on mine shows as a block of BT, somewhere 200 miles away. Then consider I go through, say quotezone. so quotezone have to pass my ip onto each insurer, (which is already down to a bt server). Regular router resets, not a static ip, and this also changes. And that's just down to normal internet protocol. Blocking cookies, regular clean ups, and I'll take a chance B Lightyear next door will be ok.

Yes - you'll be ok because you understand the technology. And I'm sure you could throw additional VPNs or proxys into the mix as well.

But the average punter is very likely to get caught out by a simple cookie - not to mention the “fingerprinting” technology that's being touted in the OP's link.

Quentin

nobbysn*ts wrote: »

Wouldn't be a breach at all, for the reason I stated. I warrant it is full and complete, when used to arrange an insurance policy. You can't selectively use part of the paragraph. Although, equally, I also would use a false name, false address, as I would also clearly not expect B Lightyear to complete the purchase.

No, not being "selective".


This is the complete sentence regarding telling the truth according to your quote in post #11:

You warrant to us that all information you submit to us is accurate and complete to the best of your knowledge.

If you change your D.O.B you have submitted inaccurate information.


So do it anonymously so it won't come back to bite you.

And according to the OP use different IP addresses too

nobbysn*ts

Quentin wrote: »

No, not being "selective".


This is the complete sentence regarding telling the truth according to your quote in post #11:



If you change your D.O.B you have submitted inaccurate information.


So do it anonymously so it won't come back to bite you.

And according to the OP use different IP addresses too

I entirely agree with using completely dummy details for quotes. However, I also maintain that you are quoting a selective part of the t&c's, as yes, that is what you warrant, when, as is the previous sentence, in the pargraph, "It is your responsibly to ensure that all information used by an insurer in arranging an insurance policy for you is correct" I'm not arranging a policy, therefore I cannot warrant how I will do an action I'm not taking. However, when I do arrange a policy, then the warrant will be effective, and I will be truthful and accurate.

starrystarry

One thing that I've wondered about for a while...

If people do multiple dummy quotes using a different address, say the same postcode but a different house number, if/when the person who really lives at that address tries to get a quote are they going to get stung because the insurer thinks there's something iffy going on?