DirectAsia is entitled to void a policy and treat it as if it never existed if you have intentionally mis-declared the main driver for your policy just to obtain a lower premium. We underwrite and price on the information we receive and 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 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. This is explicitly stressed, and forms the basis of the contract which the customer enters into. There are, however, cases in which the main driver (the person who uses the car most frequently) 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.