Car Insurance trying to accuse of Fronting

minno86

Hi All,

It seems we have a problem with our car insurance.

My partner took a car out on finance for her mum as she has bad credit. we didnt realise untill about 2 months into the insuance policy that my partner was still the registered keeper so we transfered it into her mums name as she was the actual keeper (The insurance is in her mums name and my partner is the named driver)..

Anyway my partner had an accident in the vehicle back in November and the car insurance are trying to say that they are fronting.. my arguement with them is altho the finance is in my partners name the registered owner and keeper is (and was at time of accident) her mum.

Where do we actually stand with this????

thanks

Kyle

hugoshavez

You need to give a little more info:

1. Where is the car kept overnight?
2. Who drives it more?
3. Does your partner have another car of her own? Or do you have one she is insured to drive?

bouncydog1

Further info needed:-

How old is your partner?
Does she have a vehicle insured in her own name?
How long has she had a licence?
Is this the only vehicle that mum has?
Who is the main driver?
Why was your partner driving her mother's car?
Do you all live at the same address?

Insurers are very hot on fronting so if your partner is under 25, uses the vehicle on a regular basis, does not have a vehicle of her own or access to say yours, and cannot prove that this was occasional use, then insurers are going to want to get paid the additional premium they would have been due.

Although owner/registered keeper can be taken into account, the main point is who is the main user.

minno86

Hi the main user is her mum, the car is kept at her mums house. my partner uses the car sparingly just when she needs to take the baby somewhere she cant walk etc. my partner is 23 she doesnt live with her mum, and was using the car at the time to go shop (she was 8 months pregnant at the time so getting around was difficult).
me or my partner dont have any other car. and her mum is a named driver on her husbands car (he is disabled and cant get all his things in my partners mums car)

thenudeone

Who took out the insurance policy?

Who was described as the main driver?

minno86

her mum took out the policy and her mum is the main driver... like i say my partner literally uses the car on the odd occasion that its urgently needed

bouncydog1

Do you have any evidence that her mum is paying for the finance e.g. transferring money to your partner's account to cover the payments? If you have something like this then you should be able to support what you have mentioned on here to the finance company.

It will also help if your partner can demonstrate she doesn't regularly drive the car e.g. can she produce evidence of using buses etc?

adamc260

You have to look at it from the Insurances point of view.

Driver under 25... car being paid for by the youngest driver yet is just 'owned' by the mum who says she is the main user.

Insurance companies are very very cautious about things like that.

thenudeone

It does not look good that at the start of the policy, the younger (and more expensive to insure) driver was both the registered keeper and the person who took out a loan for the car, but that the older driver took out the insurance policy and named herself as the main driver. Classic symbols of fronting.

In order to take out car finance your partner must have stated that they were (or would be) the legal owner. Now you're saying that the legal owner is their mum. I don't suppose the finance company would have agreed to that, if they'd been asked

It looks like the finance company and the insurer have been given different information about the ownership and registration of the car (or that information has been changed without informing them or getting their agreement).

This could get very sticky for you very quickly. You could end up with a fraud marker on your insurance & credit files, for example.

I'd suggest some decent paid-for legal advice before answering any more questions from the insurer.