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‘Amateurish’ fraudster faked age by 20 years to get a cheaper deal on car insurance

Scott Stubbings
Scott Stubbings

A ‘naive’ dad who faked insurance documents in a bid to get a cheaper deal behind the wheel has been hit with a hefty court bill after his scam was uncovered.

Scott Stubbings sent off a forged no claims document to his car insurers, Ageas, to stop them finding out he was 20 years younger than they believed.

The 23-year-old’s mother had put in a joint claim for motoring insurance for herself and her son in March of this year – but unwittingly attributed her own year of birth, 1971, to her son.

When her son found out about the mishap he tried to steer insurers away from the truth in a bid to ‘get away’ with cheaper premiums.

Stubbings, of Abbey Drive, Jarrow, admitted a charge of using a false document with intent for it to be accepted as genuine at South Tyneside Magistrates’ Court yesterday.

He also admitted two counts of withholding information to obtain services – after he twice failed to notify the company of his true date of birth when having two cars added to the insurance during telephone calls on April 10 and April 30.

The police were alerted when the no claims document was found to be false.

Janice Bellamy, prosecuting, said: “He produced a letter suggesting he had nine years no claims bonus. It was a forged document produced for him.”

David Forrester, defending, said; “The policy was taken out for him and his mother.

“She initially took out the insurance and had inadvertently put her date of birth as her sons.

“As a result, he would get discounted car insurance, as a driver who is 20 years old will pay less.

“He then gets someone to knock up a photocopy of a no claims bonus. He was always going to be caught out.

“He was pretty naive. It was amateurish and unsophisticated.”

Stubbings, who the court heard is a dad of two who works as a landscape gardener, was fined £220 and must pay a criminal courts charge of £180 as well as prosecution costs of £85 and a victim surcharge of £22 – making for a total bill of £507.