Is hiding the fact that the primary driver of a vehicle doesn't have a valid license considered fraud when applying for car insurance?
Question Details: I have a 2nd vehicle that is in my name but I bought it for my girlfriend who turns out doesn't have a valid driver's license. I bought insurance for the vehicle and didn't disclose this fact because I didn't know. Now that I know, is it considered insurance fraud to continue with the insurance knowing that the primary driver doesn't have a license?
Yes, it would be insurance fraud, since you would have now failed to disclose a material or important fact of which you were aware. It was not fraud when you first took out the insurance, since you did not know then; but now that you do know, you must disclose it or will be committing fraud. (And also, if she does not have a license, if she tries to put in a claim, etc. the insurer can deny coverage, since she cannot legally drive--so not disclosing it does not mean she will be covered). You need to get the car back from her, stop her from driving your car, and have her taken off or excluded from the policy.