Fronting car insurance

Sheffmum

My partner wants to put his insurance in my name with him as named driver and use my no claims bonus. I will be buying a car in the next week or so and will want to insure my own car using my no claims bonus. Will my new car insurance be affected by him doing this?

debtdebt

You can only use NCB on one car.

waamo

If he is the main driver and using you to get cheap insurance then you might be opening yourselves up to a whole world of pain.

You’ve put fronting in the thread title so you clearly know what this is. If the insurance company find out then you could find getting insurance eye watering in future.

Warwick_Hunt

debtdebt wrote: »

You can only use NCB on one car.

However some companies will mirror your no claims on a second vehicle.

d123

Sheffmum wrote: »

My partner wants to put his insurance in my name with him as named driver and use my no claims bonus. I will be buying a car in the next week or so and will want to insure my own car using my no claims bonus. Will my new car insurance be affected by him doing this?

Other than the fact you can’t use one NCB on 2 cars, doing what you suggest could have a serious impact on your insurance, when/if the company become aware of the fronting they will cancel the policy as fraudulent and you’ll have to declare the fact for any future insurance forever, that will usually mean much higher future premiums.

Fraud

It sounds like a biggie and something that most of us would never dream of doing. But fraud in an insurance provider’s world might not seem that bad in real terms. Fronting, for example (where a more experienced driver says they’re the main driver in order to save money on a young drivers policy) is considered insurance fraud but for lots of law-abiding parents of teenage drivers this is probably a very real scenario. As tempting as a tiny white lie seems, don’t do it because there are consequences for all the drivers involved that just aren’t worth it.

How does a cancellation affect future policies?

Insurance cancellation is something you’ll have to declare with every new insurance provider. A cancelled policy serves as a red flag and you may struggle to find a mainstream insurance provider to cover you. Alternatively, you may end up paying a lot more for your policy.

The best way to avoid cancellation is to be as truthful as possible with your insurance provider. Also, insurance has a long memory and whilst a criminal conviction can be spent after a length of time, insurance claims and cancellations can’t. So that cancelled policy from ten years ago? Well you’ll still have to declare that five years from now.

https://www.comparethemarket.com/car-insurance/content/policy-cancelled-by-insurance-provider/

debtdebt

Warwick_Hunt wrote: »

However some companies will mirror your no claims on a second vehicle.

Not if that other vehicle isn't owned by the OP as suggested in her post.

chrisw

It’s perfectly legal to have the insurance in either of your names with either of you as a named driver. What you are suggesting isn’t fronting. However, you must declare who the main driver is, ie who uses it most, otherwise that’s fronting.

However,as others have said, once that Ncb is used on a vehicle, any additional policy will have to build up its own Ncb.

Warwick_Hunt

debtdebt wrote: »

Not if that other vehicle isn't owned by the OP as suggested in her post.

So how do people manage with a lease vehicle?

debtdebt

Warwick_Hunt wrote: »

So how do people manage with a lease vehicle?

Not sure but in the other extreme, do you think an insurer will let your next door neighbour mirror your NCB on his car?

Warwick_Hunt

debtdebt wrote: »

Not sure but in the other extreme, do you think an insurer will let your next door neighbour mirror your NCB on his car?

But the OP wasn’t about the nextdoor neighbourvwas it?

debtdebt

Neither was she asking about a lease vehicle.