Insurance for a 19 Year old but on a 1.8 Merc?

JonBoy_SCFC

Jakg wrote: »

You are telling the insurers that you are not the main drive of the car - which is false.

not necessarily so - if the insurer doesn't ask who the main driver is then you aren't lying about anything

FlameCloud

JonBoy_SCFC wrote: »

this alleged case study specifically says that the customer lied about the cars ownership, which obviously makes a big difference. i wouldn't for one moment suggest someone lies when setting up the policy, but putting yourself down as the named driver is not lying, and so you're not doing anything wrong.

interesting that the person in the case study wasn't prosecuted - why would that be if fronting was illegal?????

It may shock you to realise this, but Insurers do not prosecute people- the CPS do. By and large, the you can only ever normally persuede them to take on a case that is a) large and b) in the publics interest.

What will normally happen is that the insurer will sue the policy holder for their costs on the matter, which will occur in a private case, and thus is not available to the public unless the judge deems it in the publics interest to release details of the case.

FlameCloud

JonBoy_SCFC wrote: »

If you take out 3rd party only insurance then what exactly are they "not going to pay up"??????

Costs to the third party?

dacouch

It is illegal to miss lead an insurance company when obtaining Insurance, so if when putting the young driver as an additional driver and not advising the Insurer they are the main user intentionally is fraud / obtaining a pecuniary advantage.

Obviously if the young additional driver is not the main user or you have informed the Insurer its not a proble,

There is a another current post on here where the police are actively persuing someone who miss lead an Insurer.

123Jane

I am in the process of obtaining car insurance for my 18 year old son and am worried about 'fronting'. We first took out insurance last year with Quin Direct last year, I was the regsitered owner and keeper of the vehicle so put the insurance in my name with him as the named driver, however since then the car has been sold and my son has bought his own car. We informed the insurance company that he was the registered owner and keeper of the vehicle and would drive it more than me even though I am still the policy holder. Having spoken to them on 2 occasions about this they still say we are doing nothing wrong - can anyone else confirm that this is the case as I don't want the insurance to be invalid in the event of an accident.

dogbot

123 Jane. Quinn Direct like underwriting young drivers, this is their choice of market.

You have made it clear to them who is the owner and who is the main driver of the vehicle and they have confirmed they understand this. You have correctly declared the material facts, so I would say that you should be fine. If you are really worried, then you could put something in writing to them. If you have taken note of the name of who you spoke to and when, then this should also help. You could call them to make sure they have noted the system correctly?

eamon

Unlike many other posters on here try the insurance comparison sites and if that is still on the high side then try a motor insurance broker that is local to where you live. If you have a bog standard merc it should be possible. Failing all that trade down.

dacouch

123Jane wrote: »

I am in the process of obtaining car insurance for my 18 year old son and am worried about 'fronting'. We first took out insurance last year with Quin Direct last year, I was the regsitered owner and keeper of the vehicle so put the insurance in my name with him as the named driver, however since then the car has been sold and my son has bought his own car. We informed the insurance company that he was the registered owner and keeper of the vehicle and would drive it more than me even though I am still the policy holder. Having spoken to them on 2 occasions about this they still say we are doing nothing wrong - can anyone else confirm that this is the case as I don't want the insurance to be invalid in the event of an accident.

12Jane I agree with dogbot, make sure you have the full name of the person you have advised and the date and time you spoke to them as without this there could be problems. If you have the above you can ask them to listen to the recording of the call if there is any disagreement

ijgreer

As above, so long as the young driver is named as the main driver this is fine, you can use your no claims bonus on it to keep the premiums low.

Fronting mainly occurs where insurance is taken out by driver A using driver A's no claims bonus, but for the sole and main use of driver B who is named as a casual driver (in these instances, younger family members).

As I have said before, insurance companies are now rating on the driver most at risk, so in the long run, it is of more benefit to just get your kids onto their own policy so they can start up their own no claims bonus.