Fronting debate

cambspartan

Hi,

I'm a new bod on this forum and could do with some help.

I am 32 and fingers crossed should pass my driving test at the end of October. I have looked at cheap little cars and found one that I like, a Ford KA 1.3 for £995.

I have entered my details for a quote and as I have NO NCD my quotes are coming up @ £1058, if I add my wife who has been driving for about 17 yrs this goes down to about £890.

My wife then said if she bought the car and had the insurance in her name with me as an additional driver. I quoted this at £230, she has a car which I would also be a named driver on and we would take what ever car is available.

I wouldn't use the car much as it's cheaper to take the bus to work. But would make it easier for me to get to the hospital, pick up my daughter, shopping etc.

With this in mind would this be classed as fronting?

Would I be better off to get a black box fitted to lower the cost?

Just thought I would put it out there and see what people think.

Thanks

Cambspartan

dacouch

If you take out another policy in your wife's name, she cannot automatically use her no claims bonus on both cars.

There are companies that may allow a discount equal to her no claims bonus on a second car but, you normally need to check with them first so don't assume that a quote on the new car using her no claims bonus is correct.

cambspartan

dacouch wrote: »

If you take out another policy in your wife's name, she cannot automatically use her no claims bonus on both cars.

There are companies that may allow a discount equal to her no claims bonus on a second car but, you normally need to check with them first so don't assume that a quote on the new car using her no claims bonus is correct.

Well, that's food for thought. I'm presuming the likes of Admirals multi car?

Quentin

No. With multicar policies each car earns its own ncd.

hugoshavez

When insurers ask who is the main driver, they mean just that.

Can your wife be the main driver of both cars?

You could argue it, but it'd be a difficult trough to plough. And it'd likely only come up at the time of a claim. So imagine the insurers looking into it for months, while one of your cars is off the road...

cambspartan

Thing is with my age I noticed on MSE these pay as you drive or good driving seem to be for young drivers.

Might enquire if my wife's current insurer give NCD for named drivers and wait a year?

Thank you for your input so far!

forgotmyname

Having fraud put on the CUE database wont make getting insurance easy for both of you.

thenudeone

cambspartan wrote: »

I have looked at cheap little cars and found one that I like, a Ford KA 1.3 for £995.

..

My wife then said if she bought the car and had the insurance in her name with me as an additional driver. I quoted this at £230, she has a car which I would also be a named driver on and we would take what ever car is available.

Sounds pretty much like fronting to me.

It would be pretty difficult to explain why your wife was the main driver of two different vehicles and you of none, especially when one was bought just after you passed your test.

It is possible; for example if you live in a remote area she may have a sporty car for summer driving and a 4x4 for winter driving; whilst you always take the bus; but unlikely.

They don't have to prove fronting, because if it ends up in court, it would be a civil court where the decision is based on which is most likely. In the circumstances given - it's most likely to be fronting.

System

It's perfectly possible to be the main driver of more than one car, but you would need to establish explicitly how your circumstances made that feasible.
The crunch in your case is that the additional car would be added coinciding with your taking up driving. If she had already got two cars then obviously she would be the main driver of each, if you couldn't drive. Adding you as an occasional driver of one might then seem perfectly reasonable.

I am the main driver of 3 cars, but that's a special case because I like classic cars.

Quentin

Clifford_Pope wrote: »

It's perfectly possible to be the main driver of more than one car, but you would need to establish explicitly how your circumstances made that feasible.....

Not usually.

Usually when taking out a policy online or by phone you are simply asked to nominate the main driver.

If you take out multiple policies, the procedure is the same.

There are no boxes to complete "establishing explicity" your circumstances at all!

BertTheRaccoon

The bottom line here is that any insurer in the land will take your money based on the information or "facts" you divulge to them when quoting for the policy. An insurance policy is a "contract of upmost faith" i.e they rely on the information you give them at the outset as being true.

If you have a smack, more so if it's a big one, that's when they start digging and delaying the claim and ultimately refusing to pay out your own claim and then coming after you for the third party losses they pay out.

In your situation, you have age(maturity) on your side and you are far better off just having a policy in your own name and earning some NCD. Yes it will be more painful to start with, but will pay for itself after a year or two. You're not going to earn NCD as a named driver and even those policies which say they do allow named drivers to earn NCD, the NCD you earn with them is often not recognised by insurers outside of that group.