Fronting car insurance

mikey72

That makes more sense.

One of the biggest things that sets insurers off though is using the wrong "owner" for cars. If you told an insurer the people carrier was "my" car, and your daughter was driving the runaround, they would immediately mark it down as fronting.

Make sure you get quotes for the new car for her both as provisional and full licence, some companies premiums change massively, some won't even insure new full licence drivers.
Include commuting for her, make sure they make a note it's for use back and to to college.

deutsch

!!!!!!!!! wrote: »

However, our daughter is now learning to drive.

Whilst she's learning to drive, she will always need someone to be with her whilst driving. Some policies might even state this has to be the policyholder and no one else (situation: you are the regsitered keeper/policyholder and she becomes the named driver)

As she needs someone to be with her whilst learning, she is less likely to be in an accident compared to if she passed her test and was driving independently. With the above example, once she has passed her test and you tell the insurance company, they can factor in an even higher cost/premium then before (due to being an independent recently passed driver who will have no experienced person to always / necessarily by law watch her drive everytime)

On a provisional licence (my opinion) is that fronting will be less of an issue, but once she passes her test, it will be harder to determine fronting / just innocently you being the registered keeper/policyholder holder and an unfortunately accident whilst your daughter is driving (hopefully not ever).

vax2002

I was accused of fronting for my wife, she is a named driver on my policy and has her own car, she has driven my car the grand total of 300 yards in the last two years.
So I am fronting I said, right do a quote just for her to drive that car then.
That would be the correct solution he says, OK then get a quote...
£270 they said,
so why Would i pay £390 to front a policy if its only £270 for her own policy.
Did you actually pass the maths GCSE at school ?
Err, I speak to my supervisor, WAIT......... Er yes it appears we have made an error here.
Do you reckon ?
Never heard from them again.

angelfire

mikey72 wrote: »

That makes more sense.

One of the biggest things that sets insurers off though is using the wrong "owner" for cars. If you told an insurer the people carrier was "my" car, and your daughter was driving the runaround, they would immediately mark it down as fronting.

Make sure you get quotes for the new car for her both as provisional and full licence, some companies premiums change massively, some won't even insure new full licence drivers.
Include commuting for her, make sure they make a note it's for use back and to to college.

I take on board your points! Especially re the owner - I saved and saved to buy our people carrier and have gotten rather attached to it, with it's easy automatic driving and parking sensors, I love it! and from my point of view will always be MY car, despite the fact that it, legally, now is my partner's!
I don't particularly enjoy driving smaller cars, but we just thought, that for a year, we would sacrifice what we prefer, so that our daughter can get a little experience of driving, without having to run and maintain her own vehicle at the age of 17.....

Thus far i'm finding that Aviva quote the same premium for her as a provisional driver as they do for when she's passed...

mikey72

The other option is to look at provisional marmalade, or collingwood learners, both offer reasonable provisional insurance as a stand alone from yours, so your ncd is safer for a bit longer, and you can insure with one that will be better when she passes.

mavisangelica

This whole insurance thing is an absolute nightmare. Is there anyone else that has 2 cars - Fiat Doblo in hubby's name (insurance and V5), Fiat Panda in my name (insurance and V5) and the one that has the most fuel in is the one that gets driven!

mikey72

We have my wifes car, on the v5, that I am the policyholder and main driver of, she's a named driver
my car, on the v5, that she is the policyholder and main driver of, and I'm a named driver.
two other vehicles I own, one I'm the sole driver, the other I am the policyholder and main driver, and my wife and daughter are named drivers,
and my daughters car, she owns, has a policy on in her name that she is the main driver, and my wife and I are named drivers.

They're just the insured ones on the road.

Lets see them sort that out.

System

Is there such a thing as 'rearing'

17 YO daughter has bought a car, insurance in her own name and her as main driver. However, until she passes her test then Mum is probably going to be doing the majority of driving. (Instead of Mum and her car being the taxi, it will now be daughter's car and Mum as taxi driver in it)

mikey72

!!!!!! wrote: »

Is there such a thing as 'rearing'

17 YO daughter has bought a car, insurance in her own name and her as main driver. However, until she passes her test then Mum is probably going to be doing the majority of driving. (Instead of Mum and her car being the taxi, it will now be daughter's car and Mum as taxi driver in it)

Why?
Stick L plates on it and let her practice.
My daughter drove me everywhere until she passed.

JimmyTheWig

!!!!!!!!! wrote: »

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!

I suggest that once you've got a quote you like the look of you phone them up and tell them this is what will be happening.
Be up-front with them and you'll be fine.

[Why is this poster's name blocked in the quote?]