Car insurance wants £26,260.00.

InsideInsurance

vaio wrote: »

I'd have thought at 36 fronting is unlikely to be an issue

It depends if something other than age is making the OP a high risk driver.

Generally I agree that I would have been looking at a false declaration issue but the questions asked seem to point at fronting.

my_names_dave

InsideInsurance wrote: »

It depends if something other than age is making the OP a high risk driver.

Generally I agree that I would have been looking at a false declaration issue but the questions asked seem to point at fronting.

It's the NCB that's going to be the sticky wicket here. I'd still class it as fronting if you've stuck yourself down as a named driver because you don't have any NCB of your own, but are actually the main user. They might have given a further discount because the father is retired as well.

Sadly, it's cases like this that need to get broader coverage. Buying insurance is not a joke, or an afterthought, it's a serious matter, but from my experience people treat the forms on comparison sites the same as they would for any other random site. I've had people take out policies with 'hdjhkhljkhl' as their name!

vaio

I've done dummy quotes as 'hdjhkhljkhl' but never taken out a policy

my_names_dave

vaio wrote: »

I've done dummy quotes as 'hdjhkhljkhl' but never taken out a policy

Realistically there is no such thing as a 'dummy' quote because all details get submitted to the individual brokers / insurers anyway. Risky stuff. I remember one guy getting refused insurance becuase he'd put through so many different quotes with slightly different occupations to try and get a cheaper quote.

Quentin

my_names_dave wrote: »

Realistically there is no such thing as a 'dummy' quote because all details get submitted to the individual brokers / insurers anyway......

Nevertheless, if you have correctly dummied, then the quotes cannot be connected to any "real" individual.

my_names_dave

Quentin wrote: »

Nevertheless, if you have correctly dummied, then the quotes cannot be connected to any "real" individual.

Yes...and then after they've taken out a policy the insurers do a CUE check that reveals an accident they haven't disclosed and suddenly the argument is, "Sorry, I did a couple of 'dummy' quotes and accepted the wrong one...what do you mean the price has gone up by £XXX, it was only £XXX on gocompare...what do you mean I'm going to be charged £XXX to cancel, you've only got to push a couple of buttons..." etc.

Quentin

my_names_dave wrote: »

Yes...and then after they've taken out a policy the insurers do a CUE check that reveals an accident they haven't disclosed and suddenly the argument is, "Sorry, I did a couple of 'dummy' quotes and accepted the wrong one....

No.

Doing dummy quotes is nothing to do with missing details off an application!

If you dummy correctly, then you cannot "accept the wrong one". (It will have a dummy name on it.

If you accept mickey mouse's insurance quote, then who is the dummy?

Parking_Trouble

If the OP has a perfectly rational and innocent reason for the mistake then I would contact the FOS and raise an official complaint against the insurer, explaining how the mistake came about.

If nothing else it will buy several months of time and the FOS could decide that the insurer should pay.

Lots of questions for the OP to answer about what was said when the policy was taken out but in my own experience the owner, registered keeper and main driver combination makes little difference to the cost of the policy.

A dummy quote might highlight whether there was a material gain.

my_names_dave

Quentin wrote: »

No.

Doing dummy quotes is nothing to do with missing details off an application!

If you dummy correctly, then you cannot "accept the wrong one". (It will have a dummy name on it.

If you accept mickey mouse's insurance quote, then who is the dummy?

Unfortunately not everyone is like that. But trust me, these details get checked. Because it's not just people misrepresenting themselves they are looking for, there are also serial fraudsters who are setting up policies in random peoples names with stolen credit cards in an attempt to try and 'wash' the money through, and all sorts of things that like going on.

Parking_Trouble

my_names_dave wrote: »

Unfortunately not everyone is like that. But trust me, these details get checked. Because it's not just people misrepresenting themselves they are looking for, there are also serial fraudsters who are setting up policies in random peoples names with stolen credit cards in an attempt to try and 'wash' the money through, and all sorts of things that like going on.

Which is why many insurers ask for copies of the V5, drivers licence, etc.

Fraud and money laundering are two different things. I think you have them confused in your stolen card scenario.