Fronting car insurance

Spiderham

deutsch wrote: »

Doesn't the third party insurance company claim directly off the RTA though and not the fronted person's insurance company? The fronted person's insurance company have void the policy, effectively making no contract between the fronted person and the insurance company?

I'd imagine (IANAL) insurers would probably have to pay out the claim but would be able to pursue the person who arranged the insurance for the value of the claim. Obviously if they can't afford it this may not be economical. The parent and child would be screwed insurance wise for a long time.

deutsch

deutsch wrote: »

Doesn't the third party insurance company claim directly off the MIB though and not the fronted person's insurance company? The fronted person's insurance company have void the policy, making no contract between the fronted person and the insurance company?

I haven't thought this through sorry. I think I'm confusing myself with uninsured losses for the third party.

vaio

insured or uninsured losses makes no difference, the whole third party claim would be paid

Wammer

The OH was involved in an accident last year when a 19yo pulled out as OH was overtaking them and caused a crash.

When I called to get their insurance details, her Dad said the policy was in her Mum's name. However the car was a sporty Mini with a personalised number plate of the daughter's name. Sounded like a clear case of fronting to me, but we didn't have a problem getting OH's car repaired on their insurance thankfully.

angelfire

This all concerns me. We are curently in a situation where my partner has had an accident in his car, been paid out etc and for now just has a runabout whilst he's looking to replace it. However, our daughter is now learning to drive. Our initial idea was to sign the car over to daughter, both to learn in and then keep once passed - with her OWN insurance with me as a named driver. The problem with this is the cost of insurance! The cheapest I've found for her so far is £2200!

So, our other option is to not replace my partner's car but to give him my people carrier, then buy a small car for me and insure my daughter on it, with me as the main driver. This would be MY car. That said, my daughter would, wherever possible, use it to get to college and work on days where she can drop me off then use the car when it would otherwise be parked at my work. The typical use might be as follows:

Mon & Tue - Daughter drops me at work then takes car for her commute to college/work. Returning it to me by the end of my working day.

Wed - Fri - I have the car (as i need it to ferry kids around!)

Sat & Sun - We both use the car ad-hoc

Evenings - My daughter may use the car for the odd errand

Would this be classed as fronting? As before we embark on this arrangement, I want to be sure that we won't get accused of fronting further down the line!

Just to reiterate, the car would be in my name, owned by me, maintained by me, and my daughter would always require permission to use it! The only issue I see here, is the odd day when it would be parked on her college car park (although i have two other children, one of which I take to 10 hours of sports training each week, so the liklihood of my eldest being able to have my car for college is not very high!)

mikey72

Yes, they could easily see it as fronting if they catch you. Probably if she has an accident on the way to college, or in the evening.

It's more obvious if you had kept the people carrier, and bought a runaround as well.

I think you have to be squeaky clean, transfer the v5 of the people carrier to your husband, put the runaround in your name., neither of you own another car.
Make sure your husband is down as main driver on the people carrier, and put him down as first named driver on the runaround, daughter as second.

Don't buy a Saxo, stick to something like a Micra.
No modifications, no girlie stuff.

angelfire

mikey72 wrote: »

Yes, they could easily see it as fronting if they catch you. Probably if she has an accident on the way to college, or in the evening.

It's more obvious if you had kept the people carrier, and bought a runaround as well.

I think you have to be squeaky clean, transfer the v5 of the people carrier to your husband, put the runaround in your name., neither of you own another car.
Make sure your husband is down as main driver on the people carrier, and put him down as first named driver on the runaround, daughter as second.

Don't buy a Saxo, stick to something like a Micra.
No modifications, no girlie stuff.

The people carrier is already in my partner's name, as is the insurance. Then we would buy the smaller car in MY name with him and my daughter on as named drivers. The runabout would go at that point - we would stick with just the two cars... Would this still be seen as fronting?

angelfire

Regarding the make and model, we would be looking at something like a Skoda Fabia/Honda Jazz. As, being my car, I need something with sufficient space for my two younger children/buggy/shopping etc.

I'm not sure I like the use of the words 'if the insurance 'catch' you' - it makes it sound like we are trying to lie to the insurance when we are not! This really would be MY car - complete with two child seats in the back, 'mum's taxi' sign in the window etc etc!

mikey72

!!!!!!!!! wrote: »

So, our other option is to not replace my partner's car but to give him my people carrier, then buy a small car for me and insure my daughter on it, with me as the main driver. This would be MY car.

You said it was your people carrier, and he's crashed his car, and bought a runaround to replace it.

Who actually has/had their names on the three v5's, and who has the insurance polices for the cars in whose names, and who has the ncd's earned on what cars?

Do you have/had any insurance in your own name, and have you earned any ncd yourself?

angelfire

mikey72 wrote: »

You said it was your people carrier, and he's crashed his car, and bought a runaround to replace it.

Who actually has/had their names on the three v5's, and who has the insurance polices for the cars in whose names, and who has the ncd's earned on what cars?

Do you have/had any insurance in your own name, and have you earned any ncd yourself?

Ok, the people carrier is now in my partner's name on the V5, it's insured in his name, with me as a named driver. (used to all be in mine).

The runabout we currently have is currently in MY name, insured in my name, (with 6 years no claims), with partner as a named driver.

we are considering selling/part ex-ing the runabout for a Fabia/Jazz and insuring it in MY name, MY name on the V5 with both my daughter and partner on there as named drivers...

sorry, does that make it clearer?!