Insurance Fronting?

atinybrit

Hi all,

So my partner owns our car and has always insured it in his name and me as a named driver since I passed my test. Until recently (couple of months) he has been the one who drove it to and from work during the week, whilst I would commute by train. He now has a company car and has allowed me to use it to drive to and from work - just under 10 miles a day. He drives in the evenings, at weekends, (hates my driving haha!) and any long journeys say holidays etc. I would say it’s a fairly even divide if you go by mileage?

I wasn’t aware of insurance fronting or what it was until about half an hour ago and I’m slightly concerned now this is classed as that? I passed my test two years ago, my partner much longer ago (8 years ish). Partner is at work right now and I can’t find all our details to call the insurers and ask!

a.turner

Who is the main driver?

If you drive to work five days a week the insurance company may decide it's you. As long as the main driver is correctly named it's not fronting.

MovingForwards

Make sure that you, as a named driver, have commuting as part of the policy!

How long until the policy is due for renewal?

I would personally look to take out a policy in your name with your OH as named driver.

Fronting tends to be a son or daughter as a named driver on mom/dad's policy when it's actually the son/daughter who is driving it. Insurance companies are pretty clued up on that.

Quentin

MovingForwards wrote: »

I would personally look to take out a policy in your name with your OH as named driver.

Fronting tends to be a son or daughter as a named driver on mom/dad's policy when it's actually the son/daughter who is driving it. Insurance companies are pretty clued up on that.

Not necessarily

The main driver doesn't need to be the policyholder

Fronting is saying the cheaper to insure driver is the main driver when in fact the main driver is the dearer to insure driver, irrespective of who is the policyholder

The OP using the car 5 days a week is the main driver

Herzlos

It might be best asking the insurance company. I could never figure out if the main driver was the one who had the car most of the time or the one who did the higher mileage.

If it's partners/ common law then I don't think they care.

EdGasketTheSecond

We use ours 50/50 but the insurer would not accept that; I had to choose a 'main driver'; so I was telling them the truth but they forced my to tell them something else to fit their system. Mad.