One might imagine that by obtaining insurance on the proviso that he has parking outside his home when he doesn't have parking outside his home is defacto fraudulent anyway. It's the same as claiming your car is stored in a garage when you don't actually have a garage.
ETA: in a situation like this, I think we need a term for multidimensional stupidity, it's not just the singular stupid, like parking on a double-yellow, it somehow transcends.