You people make me sick - do you know how much time I waste investigating claims where monkeys like you crash cars, and then they're mates pretend the car was stolen?
What I really hope happens is that the copper who pulled you is on the desk of the police station and doesn't recognise your mate - I attended court on one of these a little while back - you both get stuffed, you get the book thrown at you for perverting the course of justice, no insurance (IN10), and your mate also gets perverting, a failure to disclsoe the driver if he's unlucky (MS90), and the insurance company will be notifed by the police, resulting in a cancelled policy and the pair of you idiots being loaded onto databases that effectively zero your credit rating for 12 months and leave you as a proven fraudster for life on your credit rating.
I love catching you scumbags out and the grief it causes you