We underwrite and price on the information we receive. Honest disclosure is fundamental to the insurance contract. Pricing is based on risk, and the age and experience of the driver is a major factor in determining price.
The importance of the accuracy of the named main driver is very explicit in the quote process on our site, as it is a fundamental basis for calculating the premium you would pay.
Sadly, there are cases where the main driver (the person who uses the car most of the time) hides behind a better profile driver. This is a fraudulent behaviour called 'fronting'.
It is DirectAsia's policy to pay fairly and promptly for all legitimate claims and to carefully consider all claims which suggest 'fronting' so that we can bring more competitive rates to the motoring industry.