FRONTING it's not illegal

Sea_Shell

So then. .. do you consider 'this' fronting??

My younger brother adds me (older sister) onto his policy as a named ( but NOT main) driver. His premium reduces. I never drive the car.

System

Fronting is illegal. It is FRAUD because during the application you state a main driver, the parent usually, and then a named driver who is the young person in the knowledge that the main driver will hardly be driving the vehicle if they ever drive it at all and the vast majority if not all of the driving of the vehicle will be done by the named driver. You have therefore lied and made a fraudulent statement for the purposes of achieving cheaper insurance.

Sea_Shell wrote: »

So then. .. do you consider 'this' fronting??

My younger brother adds me (older sister) onto his policy as a named ( but NOT main) driver. His premium reduces. I never drive the car.

No because he is the main driver and is named as such on the policy. There may be a time when you do end up using the car.

Sea_Shell

Exactly! Some people seem to assume that adding ANY additional drivers is fronting, if it results in a reduced premium!

nicechap

For those unaware of the OP's penchant for obtuse arguments, there is a recent thread about chocolate in Discussion Time to digest


https://forums.moneysavingexpert.com/discussion/5887092/how-much-milk-in-a-bar-of-cadbury

NBLondon

Sea_Shell wrote: »

Exactly! Some people seem to assume that adding ANY additional drivers is fronting, if it results in a reduced premium!

That's why I think the article quoted is poorly written. In your case - even if you never drive the car, the insurance company's statistics assume that you are a steadying influence on your sibling.

Joe_Horner

nicechap wrote: »

For those unaware of the OP's penchant for obtuse arguments, there is a recent thread about chocolate in Discussion Time to digest


https://forums.moneysavingexpert.com/discussion/5887092/how-much-milk-in-a-bar-of-cadbury

Ahh, but did the full glass claim to be the main ingredient when it was really the half one adding all the creaminess?

JP1978

Son may drive car to work 5 days a week and does 100 miles - mum may drive the car once a week on a Saturday and drive it 200 miles.

Whom is the main driver?

When my insurance asked me that question on whom between wife and myself, they couldnt answer who would be classed as the main driver.

wgl2014

I would suggest in that particular case it wouldn't matter.

Joe_Horner

JP1978 wrote: »

Son may drive car to work 5 days a week and does 100 miles - mum may drive the car once a week on a Saturday and drive it 200 miles.

Whom is the main driver?

When my insurance asked me that question on whom between wife and myself, they couldnt answer who would be classed as the main driver.

Either or, because the overall use is similar.

Where they start objecting is when son uses car for work every day, plus in the evenings to meet his mates, and mum "borrows" it once every so often to pop to the shops.

RichardD1970

JP1978 wrote: »

Son may drive car to work 5 days a week and does 100 miles - mum may drive the car once a week on a Saturday and drive it 200 miles.

Whom is the main driver?

When my insurance asked me that question on whom between wife and myself, they couldnt answer who would be classed as the main driver.

My wife and I were in the same position.

I was policyholder, driving just at weekends, longer distances. She was named driver driving short distances every day.

The insurance company were happy to have her named as main driver and saved me around £40.

My current insures don't care and doesn't ask and states that the policyholder is the main driver regardless of who drives most.