Of course, if your brother prangs it into somebody, & the insurance company refses to acknowledge that he even exists [as they would] then the innocent party's insurance company will sue him for the whole thing [including their legal team's fees] & he is living on bread & water till the sun grows cold.

That's of course after the cops are finished with for driving an unregistered & uninsured car. [which I presume stands a good chance of being unroadworthy & unsafe] &, assuming he is in the wrong, a possible traffic offence too.

Oh yeah, the friend could easily end up in the poo for allowing his insurance document to be used in the fraud as well.

Talk about a looser.