Advice re Car Insurance for my 17 year old son

hearts

Hi my son 17 has passed his test 4 months ago. I am looking to maybe get him a small cheap car.
What Id like to know is what others have done. Is it best to get the car in my name and put him on the insurance? What companies re best?
Thank for any help.

simon_templar_2

Fronting is illegal. It might well seem cheap to insure that way but come the time you need to claim it will more than likely be rejected.

JonBoy_SCFC

simon_templar wrote: »

Fronting is illegal. It might well seem cheap to insure that way but come the time you need to claim it will more than likely be rejected.

it's unlikely to cause you any problems if you have TP Only cover - you won't have a claim on your own car to even be rejected

As for being illegal, nobody has ever been convicted in a criminal court of law for it, so i think illegal is an exaggeration designed by insurers to scare you off doing it

Hope this helps:money:

FlameCloud

It is Fraud, and several people have been convicted of that.

JonBoy_SCFC

FlameCloud wrote: »

It is Fraud, and several people have been convicted of that.

Just to clarify incase previous poster is misleading for those not in the know:
several people have been convicted for insurance fraud, but that is for things like making false claims, not telling insurer about previius claims or convictions

Nobody has ever been criminally convicted for "fronting"

I am not saying that "fronting" is right or wrong, just responding to OPs question with a realistic assesment of the situation:money:

FlameCloud

That is because fronting isnt a criminal act in itself, it comes under the definition of fraud and as such it is prosecuted as such.

Whilst you are correct in saying that insurers dont convict anyone (only the CPS and a court can do that) there have been many civil cases brought against people for committing fraud on a policy without it ever going near the police.

niro_111

hi all
yes i am in the same boat as the chap at the top, my son passed his test 2 days ago, been phoning up for quotes and its coming up with silly money like £1900 , any body got any suggestions on cheaper companys
cheeers

busiscoming2

When my dd was both learning and had passed her test we bought her a car (micra) and insured it with my mum as policyholder and dd named. As this was via direct line dd was accruing ncb in her own name. We changed car to a Cinquecento when ds passed his test, my mum died so insurance was put into dd's name with ds as named driver - he had only passed his test 3 months prior (age 17) the total insurance is £483. I think that is excellent.

TighterThanTwoCoatsOfPain

JonBoy_SCFC wrote: »

it's unlikely to cause you any problems if you have TP Only cover - you won't have a claim on your own car to even be rejected

As for being illegal, nobody has ever been convicted in a criminal court of law for it, so i think illegal is an exaggeration designed by insurers to scare you off doing it

Hope this helps:money:

!!!!!!?? Fronting isnt something you pick and choose! The insurer could argue that if the CORRECT details were given they would not have provided cover at all..

How is having TP only the fricking tiniest bit different to fully comp?

Tell that to the Third Party who is struggling to get a pay out when the young lad mows their kiddie down and finds the lads insurance was voided.

mazza111

If mum/dad is buying the car then surely it's their property. I would imagine they would just need to tell them that their son was the main driver...

JonBoy_SCFC

TighterThanTwoCoatsOfPain wrote: »

!!!!!!?? Fronting isnt something you pick and choose! The insurer could argue that if the CORRECT details were given they would not have provided cover at all..

How is having TP only the fricking tiniest bit different to fully comp?

Tell that to the Third Party who is struggling to get a pay out when the young lad mows their kiddie down and finds the lads insurance was voided.

your insurer would still pay the 3rd party claim, and the person who has suffered from the accident doesn't lose out atall

hope this helps