Milton,who Is 19 Years Old,purchased a Car but Found That

Milton,who is 19 years old,purchased a car but found that he was in a position of having to pay extremely high insurance rates.As a way of avoiding those high payments,he had a bill of sale made out to his father and had the car registered in his father's name.His father took out an owner's policy from All Risk Insurance Limited.As was later revealed,Milton's father never paid for the vehicle and Milton remained the true owner and operator.Then,later,when Milton was involved in an accident,the claim was submitted by the father (since the policy was in his name).Upon discovering the true state of affairs,the insurance company refused to pay for damage caused by the accident.What legal basis would the insurance company have to refuse to pay the claim?