Is this "fronting" by another name ?

t-star

You could have a look at COOP young driver. They fit a smart box in the car to monitor the driving style and every 90 days its reviewed. If you have been driving well you get a 7.5% discount. I insured my 19 yo daughter through this and after a £530 deposit it works out at £135 pcm....

hope this helps....

rdwarr

Just insured my 21-year old daughter at Admiral for £560. Got the price down from £750 by adding my wife and me as named drivers although she is the main one.
I'm surprised somebody above got a result with Tesco - they wanted £1912!

atrixblue.-MFR-.

tesco wanted £1496.79p for me with 1yrs ncb 28 yrs old and clean as a whilst no claim no points or convs, dad as named on thier so called "value" policy's on a 1.4 16v 5dr hatchback compared to to the previous years quote wich was slightly less by £100 for a 2.0 16v 5dr petrol saloon.

co-op normal policy seemed to give those with no NCB upto 40% discount online when you tick all their right criteria boxes with a experienced named driver. last year came out overall the other including admiral at just over £1100 for a 2.0 16v saloon 5dr petrol.
but upon changing my car and downstepping my engine size to a 1.4 ive seemed to have upped it to over £1600.00 so i changed to admiral who offered £513.00 with 1 yrs NCB and experienced driver on a 10month booster policy trouble with a 10 month booster, is that thee months pass buy quickly so if your like me and pay annually, the short fall of 2 months can increase your overall monthly save, and watch out for that auto renewal they chard the card for the renewal and take that lump sum, so if you use someones card to pay like me who dont have a bank account you have to inform them you intend not to renew if you dont like the renewal, and get the card holder to inform the bank that if theres a request from admiral for the cash to decline it they tend to request the money to be transfurred from the accound upto 14days prior to your renewal so be warned and prepared.

dacouch

Only problem with the10month Admiral policy is that there is no guarantee any other Insurers will recognise the 10 months as no claims bonus so can end up tying you to Admiral

Flyboy152

kingstreet wrote: »

If he is named the main driver, there is no fronting involved.

However, until he starts having insurance in his own name, he won't start to accrue any NCD.

That is not necessarily true. The number of insurance companies accepting driving history, as no claims, is rising. It is specifically aimed at young drivers, coming off parents' insurance, as in the circumstances in the OP and company car drivers buying their own cars. The Co-Op springs to mind as a first instance.

dacouch

Flyboy152 wrote: »

That is not necessarily true. The number of insurance companies accepting driving history, as no claims, is rising. It is specifically aimed at young drivers, coming off parents' insurance, as in the circumstances in the OP and company car drivers buying their own cars. The Co-Op springs to mind as a first instance.

Will CIS issue a no claims statement at the next renewal stating all the NCD including the named driver discount or will they issue a NCD statement just showing one year.

Makes business sense for CIS to just state one year as they're more likely to retain the client.

emmell

But if your Son hasn't passed his test yet then he will be an accompanied driver. Have you tried the quote stating that your Son has passed his test?

Passing his Driving Test has increased my Nephews quotes significantly.

ML.

Flyboy152

dacouch wrote: »

Will CIS issue a no claims statement at the next renewal stating all the NCD including the named driver discount or will they issue a NCD statement just showing one year.

Makes business sense for CIS to just state one year as they're more likely to retain the client.

I have no idea, but I don't see why not.

dacouch

Flyboy152 wrote: »

I have no idea, but I don't see why not.

Generally most of the companies that offer the named drivers policies don't confirm the named drivers part of the ncd at renewal. It means they can lock the client in for a few years

Markb06

vikingaero wrote: »

Agreed that this isn't fronting. Fronting is where Mum owns the car and tells the Insurers that she is the main driver for lower quotes and Son is simply a named driver. The problem is when Son has an accident and the insurance assessors sees a male blinged out car.

Fronting is becoming less of because more and more Insurers are simply rating the premium on the highest risk driver anyway regardless of whether they are a bit part driver.

What I don't get is fair enough a female is seen as the main driver but a male driver is seen being dragged out. But the male driver is still a named driver and can still have accidents.