Am confused about fronting

debtfreein4years

Not sure if if what myself and oh are planning to do is fronting.

He drives and has a car, is away approx half the year at work. Car is insured fully comp in his name. He is 24 (will be 25 when policy is next due for renewal - not sure if thats relevant but hey).

I am learning to drive, am due to take my test at the end of the month. At the moment the plan is just to add me to his car insurance as a named driver (I'm 23, will be 24 when policy renewed). Will this be classed as fronting as it is most likely that I will be driving the car more than him due to him being away.

It will probably work out being even with us driving over the year, but its the fact that as he is away for 4 months at a time and I will be the sole driver during that time that is confusing me.

Thanks

moleymoo

Hiya - I think this is a slightly more complex situation than the 'normal' fronting scenario. I think the bext thing to do would be to speak to the insurance company and explain your position, they should be able to advise you on the best way to go. All insurers are now bound by the 'Treating Customers Fairly' practice enforced by the FSA so you should get best approach advice rather than a hard sell on the more expensive premium option.

HTH. MM

shelly

We have 2 cars in our household and have always been insured as hubby the policy holder and main driver and me as named driver on both cars.
When I was employed we shared the cars so insurers said it was ok to do it like this as it worked out about equal over the year but as hubby had 2 sets of full NCB it was best to do it like we did.
I also believe they are more relaxed when it comes to spouses and partners as opposed to children being named drivers on policies.

As Moley said, cover yourself by explaining the situation to the ins co and go from there.

dogbot

The only issue here will be that you are an inexperienced driver, so will have a much higher excess than your partner. Also, once you pass, expect the premium to jump up.

The best way is to do a rough calculation about the mileage you will both be doing over the year and insure the person doing the most as the main driver. If the car is owned and registerd to your partner he still needs to be the policyholder.

missile

Insurers are only interested in those dishonest people who buy a car, register it in their name and add their son/daughter as a named driver to the insurance, when the spotty yoof is actually the main user. It usually comes to light after an accident. The assessor may become suspicious when he finds a 1,000 watt sound system, lowered suspension, loud exhaust and free flow air filter on a nova owned by a mature housewife.

If I were you, I would keep insurance in OH's name.

debtfreein4years

thanks, that makes me feel more comfortable about just adding me to his insurance. will clarify with the insurance company about everything. the insurance should go down with me being added acording to the comparison sites so will just need to see what happens when i pass my test.

missile

Good luck with your test. After you get some experience you might want to go for pass plus and maybe IAM. You may find this reduces your premium, but more importantly might make you safer on the road.