Explain Fronting to me.

fivetide

I think it is sad that the chavs and those who have abused the system have made things so difficult for the OP when it is clear they are an honest motorist paying a fortune in road tax and insurance each year.

I would say, given the situation you have described OP, it would be very difficult to prove your daughter would be the main driver. I take the point about the pass but I'm sure you'd have a great case for the ombudsman if they did try anything on!

dacouch

fivetide wrote: »

I think it is sad that the chavs and those who have abused the system have made things so difficult for the OP when it is clear they are an honest motorist paying a fortune in road tax and insurance each year.

I would say, given the situation you have described OP, it would be very difficult to prove your daughter would be the main driver. I take the point about the pass but I'm sure you'd have a great case for the ombudsman if they did try anything on!

There's no 100% guarantee the Ombudsman would side with the OP in a complaint. Bearing in mind how sympathetic the Ombudsman is to the consumer, they're actually pretty strict on fronting.

When looking for indications of fronting having more than two cars in the family is a strong indicator. The OP's premium for the car the daughter drives would already carry a significant load for it being the second car.

flea72

So why not insure your car and the mx5 in your name and the mini in wifes name, with DD as additional driver. That way the mx5 is taken out of the picture for your wife and she becomes a 1 car owner

BlueFox

Having worked for one of the UK's biggest insurer's & having investigated 'fronted' policies their definition of a fronted policy was where the vehicle was specifically bought for the young driver but insured in the parents name in order to get a cheaper premium.

This is classed as fraud by insurers as the intention is to get something for a lower price by withholding material facts.

In the OP's case I wouldn't have thought it would be difficult to prove the Mini wasn't bought for the daughter IF as the OP states the MX5 is insured on a classic car policy - this should therefore exclude commuting and have restricted mileage.

Believe it or not insurers don't look for "every way possible" to refuse to pay out claims, they merely expect policyholders to be honest and not try to defraud them.

OP - as long as you explain to the insurer from the outset & get names & times of people you speak to you shouldn't have a problem.

BlueFox

flea72 wrote: »

So why not insure your car and the mx5 in your name and the mini in wifes name, with DD as additional driver. That way the mx5 is taken out of the picture for your wife and she becomes a 1 car owner

Insurer's usually ask how many vehicles you have access to or in the household, rather than how many vehicles you own yourself.

JimmyTheWig

flea72 wrote: »

So why not insure your car and the mx5 in your name

Because if the OP's wife was the main driver of the MX5 then that would be fronting!

Quentin

JimmyTheWig wrote: »

Because if the OP's wife was the main driver of the MX5 then that would be fronting!

No.

A policyholder doesn't have to be the main driver. Any driver covered can be the main driver.

Bongles

OP - what did the insurance company say when you discussed the situation with them? Or have you not done that yet? Their view on the matter is of considerably greater significance than anyone's opinion here .

flea72

JimmyTheWig wrote: »

Because if the OP's wife was the main driver of the MX5 then that would be fronting!

OP has said the mx5 is used at weekends by himself and the wife only uses it when the weather is nice. Based on the fact it does 1500 miles a year, i would say the OP prob drives it more than his wife already, so no, not fronting

Also with married people, insurers dont view shared access to two cars as fronting, as they know you tend to drive whichever car suits your needs that day (or is easiest to get off the drive first lol)

Its the addition of higher risk drivers to policies of people who own more than one car that raises alarm bells. Pesonally, ive always insured my kids as main driver, under their own policy with me as the named driver. That way they build up no claims and i get access to another vehicle