Help!!Son is stuck 300 miles away from home with his new car .

Ms_Chocaholic

Just a thought ... would it be worth contacting the seller and asking if he had had any more enquiries re the sale of the car. If he has, coul d he offer to sell it to another buyer and give your son the money?

brazilianwax

lil_me wrote: »

His Mam can get insurance in her name for his car, I am insured on a car which is registered in my partners name legally, he's a named driver only.

Doesn't work like that. There's a legal entity between spouses, there isn't between parents and children.

And it would be fronting!

lil_me

Sorry missed the bit about his Mam not being a driver, another family member/friend maybe? Then of course it's up to them if they want to risk their NC by him using it.

Why is my policy 'fronting' I have a legal policy, I drive this car the most, I am the insured and in the section 'registered owner/keeper' it says my partners name, we are not married and did not live in the same house when I took the policy out. I've been pulled over once and produced documents and the police were happy with this policy. He has another car he uses mostly, uses mine (well the one I use which is registered in his name) a couple of times a year max. I do pay about £100 more than I would for a policy in my name on a car in my name (limited companies would cover this way) but only use the one which belongs to my partner.

brazilianwax

isplumm wrote: »

brazilianwax

Please explain why this would be fraudalet ...??

I don't think it would make any difference to the cost of insurance ... but I can not see how this would be fraudalet

Keith .... explain why the only legal answer is for him to insure himself ... surely if his mum insures (or father if mum non-driver) it & he is named driver, then that is ok???

My wife is named driver on my insurance .. are you suggesting that she is breaking the law by driving it?? Are you suggesting that when I took the insurance out that I was acting fraudaletly??? That's nuts ....

What is the difference between this person & my wife???

Obviously I am missing something, so please explain.

Mark

Because there is a legal financial bond between you and your wife, which does not exist between parents and children, that's why. IT IS NOT THE SAME.

And gaining insurance by deceptively telling the insurer that someone else is the main driver is deception = fraud = illegal.

Is that simple enough for you?

brazilianwax

lil_me wrote: »

Sorry missed the bit about his Mam not being a driver, another family member/friend maybe? Then of course it's up to them if they want to risk their NC by him using it.

Why is my policy 'fronting' I have a legal policy, I drive this car the most, I am the insured and in the section 'registered owner/keeper' it says my partners name. He has another car he uses mostly, uses mine a couple of times a year max.

You're not fronting. It is different between partners.

isplumm

anewman wrote: »

If you read you'll see she does not drive. And besides, yet another post to point out this is insurance fraud, and known as "fronting".

HOW HOW is this insurance fraud .... when this person (say father if mum can not drive), then will need to give son's details across .... I am sure they will ask if son has access to other car ...

My policy doesn't say that my wife can only drive on a Tuesday ... she drives car when she needs to drive the car ...

I'm confused ... please explain ... I'm getting to old for this!!!

Mark

anewman

isplumm wrote: »

My wife is named driver on my insurance .. are you suggesting that she is breaking the law by driving it?? Are you suggesting that when I took the insurance out that I was acting fraudaletly???

If she is the main driver, and for example uses the car to go to work etc, then yes. The point is you are lying to the insurance company when they ask who the main driver is, by putting the insurance in someone else's name and adding the main driver as a named driver - simply to save on the insurance cost.

Adding someone else as a named driver to the policy, with the main driver as the policy holder, to reduce the cost is perfectly ok. In fact I added my GF to my last policy as a named driver as it knocked quite a bit off.

NoMoneyNoProblem

anewman wrote: »

If you read you'll see she does not drive. And besides, yet another post to point out this is insurance fraud, and known as "fronting".

1ST) Yeah fronting also known as fraud by false representation an arrestable offence. As for the no insurance only a problem if hes driving as long as its taxed and hes staionary.

2ND) Where is your son with the car and where is your house it could be possible to arrange a lift.

iwantanipod

Mum must be worried sick, but where's the friend who gave him the lift down to collect the car? Surely he is still there? Best wishes to all, I hope everything turns out ok.

Keith

NoMoneyNoProblem wrote: »

1ST) Yeah fronting also known as fraud by false representation an arrestable offence. As for the no insurance only a problem if hes driving as long as its taxed and hes staionary.

2ND) Where is your son with the car and where is your house it could be possible to arrange a lift.

1. A vehicle on the public road must be insured with at least 3rd party cover, you can not park a vehicle which is uninsured on the road.

2. Son is 300 miles away, it's a huge favour