Is this fronting?

smipsy

So, if my spouse takes out the policy with me as a named driver, it comes up about 150 quid cheaper than the other way around.

However, we don't have any notion or plans who the main driver is going to be, with the car being used for convenience, going shopping, day trips, socialising, and so on. It can be either of us at any point, and I can't predict with 100% accuracy who will use it the most.

So essentially it's a choice between "do you want to pay 520 or 670 for essentially the same thing".

Of course I'd prefer to pay less, but I keep thinking there has to be more to that, and don't want to do anything wrong. Or is it necessary that whenever we're both in a car, my spouse HAS to drive it?

Thanks in advance!

Tom99

Providing everything else you have entered is 100% correct pay £520.

lisyloo

Do you have different amounts of ncd?
Be aware that ncd is valid for two years only.

What I used to do in this situation (when we had one car but wanting to keep both NCDs valid) is to switch each year to keep them both valid.
I think I had to explain once why there was a gap and simply said I was using my husbands car during that year.

Nasqueron

Fronting is claiming the main driver is someone who isn't (usually a parent pretending to be the main driver on son's insurance). If you are both genuinely going to use the car (rather than say one person will use it daily for commuting) then there is no harm using the cheaper one.

However, if you have been getting quotes swapping names around (rather than using dummy data) as to who is the main driver, there is a good chance the insurer will be in touch to ask about it, in which case you might want to be prepared to answer questions - perhaps say the spouse has said they will need the car for a new job they are going for or a hobby they have taken up or whatever.

smipsy

Tom99 wrote: »

Providing everything else you have entered is 100% correct pay £520.

not sure what's there to lie about, haha
the situation just seemed odd to me, and of course I'd inquire about 150 quid!

lisyloo wrote: »

Do you have different amounts of ncd?
Be aware that ncd is valid for two years only.

neither of us have NCD. the reason why it's cheaper (at least I think so) is that my husband has his licence since he was 18, so for more than 10 years, while I only got my licence in Dec 2017.

Nasqueron wrote: »

Fronting is claiming the main driver is someone who isn't (usually a parent pretending to be the main driver on son's insurance). If you are both genuinely going to use the car (rather than say one person will use it daily for commuting) then there is no harm using the cheaper one.

However, if you have been getting quotes swapping names around (rather than using dummy data) as to who is the main driver, there is a good chance the insurer will be in touch to ask about it, in which case you might want to be prepared to answer questions - perhaps say the spouse has said they will need the car for a new job they are going for or a hobby they have taken up or whatever.

yeah, that's how I saw it, it was just odd for me that I can choose to pay more...

I've used dummy data before, but now I made a real quote and it all matches, as in it's cheaper if I'm just the named driver