Fronting debate

thenudeone

Quentin wrote: »

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

BUT - you had better have a good reason for saying who the main driver is, if it's anything other than the most usual or obvious arrangement in a 2-car household which is that each partner genuinely is the main driver of 1 car only.

This will probably only come to haunt you when you really need it, i.e. someone makes a claim against you. Then the questions will ask.

System

Quentin wrote: »

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

There is a box on your desk called a phone. You ring them up, explain the special circumstances, and if satisfied, they say yes. You then write to confirming the telephone conversation, and post the letter to them using another box out in the street.

Quentin

Clifford_Pope wrote: »

There is a box on your desk called a phone. You ring them up, explain the special circumstances, and if satisfied, they say yes. You then write to confirming the telephone conversation, and post the letter to them using another box out in the street.

Seems a lot of unneccessary hassle. They don't ever ask you to ring them up, then expect a letter conforming the inneccessary conversation!

Why not simply just (truthfully) declare who is the main driver (that's all they want to know)!

cambspartan

Lee_Jones wrote: »

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.

That's very helpful, thank you