Insurance fronting - what would you do?

Crooky_2

When I was 17 I wrote off a car on the Wednesday having past my test on the Monday. Most of the people I knew of my age had crashes fairly soon after passing a test as well. To be honest it was the most expensive, but best driving lesson I ever had.

The problem is if you tell your son not to go in his friends car will he pay any attention - or just pay lip service to what you say? Will any of his friends cars be any different? They might be insured in exactly the same way - you just won't know. Fronting was the "done thing" when I was growing up, I was a named driver but on my parents cars - however many of my friends with their own cars had them insured by their parents, they just put the car in their parents name rather than their own.

motorguy

jaydeeuk1 wrote: »

I insured myself as a named driver on my car with mum as named driver for first 3 years (parents were happy to go along with this). Was easy enough to get away with as we had one company car, parents car and mine. No way was I paying £3500 3rd party on a crappy £200 1.6 car, but £600 or so was much more reasonable.

If I was to ever be pulled over (and I was a couple of times), police checked insurance, told them its my mums car (bought in her name) just borrowing it, and jobs a good'n.

As long as you don't chav it up, keep it standard there is no way imo that insurance or police could accuse you of fronting.

Money I saved over the years, I bought myself a brand new car last year.

Cue lots of angry tears from people who've just paid £4k

I think a giveaway might be that its taxed in his name, but insured in his mums. Also, he takes it to school everyday.

The insurance company will happily take the premiums - they just wont pay out if theres an accident.

Arg

whatmichaelsays wrote: »

You see that number on your renewal document? The one with the '£' in front of it?

Yeah, as much as £40 of that is because of prats like this.

Well you're just as much to blame for paying it.

motorguy

whatmichaelsays wrote: »

You see that number on your renewal document? The one with the '£' in front of it?

Yeah, as much as £40 of that is because of prats like this.

Not sure why the sarcasm is directed at me??

Strider590

Crooky wrote: »

The problem is if you tell your son not to go in his friends car will he pay any attention - or just pay lip service to what you say? Will any of his friends cars be any different? They might be insured in exactly the same way - you just won't know. Fronting was the "done thing" when I was growing up, I was a named driver but on my parents cars - however many of my friends with their own cars had them insured by their parents, they just put the car in their parents name rather than their own.

In my eye, the insurance fronting is a minor issue.....

The fact he didn't have to work at all to get a free car, this is the issue!
You don't value anything if you didn't have to work for it.

mikey72

whatmichaelsays wrote: »

You see that number on your renewal document? The one with the '£' in front of it?

Yeah, as much as £40 of that is because of prats like this.

So now I'm paying £40 for "fronting" as well?
That's on top of the price I'm paying for the uninsured young drivers?
And on top of the price I pay for the whiplash claims?
And on top of all the money I pay because of all the accidents young drivers have?
If you add up all the figures that are bandied about about how much these "young drivers" cost all us Daily Mail reading upright citizens, it's more than I pay in insurance for the year!

Crooky_2

Not strictly true, some of the things most important and valuble to me were gifts.

That said my first car I bought myself - all be it through inherriterence from my grandad and not money I saved up - until then my parents let me drive their cars and i drove my ex-grilfriends car.

To those with knowledge of insurance, is the practice of naming others on a policy to get reductions illegal? I had my mum and dad named on my policy and it knocked a fair bit off - although this was a few years back.

anewman

Crooky wrote: »

To those with knowledge of insurance, is the practice of naming others on a policy to get reductions illegal? I had my mum and dad named on my policy and it knocked a fair bit off - although this was a few years back.

So long as the main/primary driver is in fact the main/primary driver you're ok. This is a good idea as it can reduce premiums sometimes. Do remember some insurers ask for copies of driving licences, as I found out recently, so don't go inventing people out of thin air and you'll be ok.

Fronting occurs when the person who IS the main driver is a named driver on a policy.