Cancelled Insurance need help please.

Jenni_D

You have stated your position, and I accept that completely. But surely you can see why an insurer may be suspicious about this?

youngman19

Jenni_D said:

You have stated your position, and I accept that completely. But surely you can see why an insurer may be suspicious about this?

Yes I can understand from their point, but it was a naive move on my part which I have admitted upfront. Just looking for way forward.  

Belenus

youngman19 said:

Ditzy_Mitzy said:

Jenni_D said:

Good spot.

Then yes, this could look suspicious to an insurance company. No doubt an entirely innocent act by the OP and Mum, and not intended in that way, but in effect still "fronting".

Especially if the mother's other car is insured with the same company, or they are somehow aware of its existence.  Her trying to insure a second car as 'main driver' with teenage son as a named driver, in addition to also being the main driver of the first car would surely set off alarm bells.  

Why can't someone have two cars and be main driver for legitimate reasons? Is that illegal?

(reasons I have already written above)

Anyone can legally be the main driver on as many cars as they wish.

Car enthusiasts often have multiple cars and can insure themselves as the sole or main driver on all of them.

Many people have a weekday car for commuting etc and a weekend sports car for fun.

Many wealthy enthusiasts have far more than two cars.

Legality has little or no bearing on your situation. Your mother's insurance difficulties appear to be related to suspicious quotes or suspected fronting.

DB1904

youngman19 said:

Jenni_D said:

caprikid1 said:

Ultimately the pair of you were looking to have your mother "Front" your insurance policy, sadly this is insurance fraud as there is no way she was going to be the primary driver of the second car you just happened to have around.

You might be right, but it's a bit of a leap to say this as fact.

@youngman19 who is the primary insured person on the main car? Your Dad, with Mum as a named driver? If Mum is the primary insured person on the main car then her being likewise on the 2nd car (with you as a named driver) may well appear as "fronting" to an insurance company.

Just to reply to your message I will copy and past...

NO absolutely not. Please don't assume this. We know what this means and I do not even need a car to get around as my work is close by. We are using this car as a second car to get my nan to her hospital appointments. When my mum is at her work then I will take her.
Yes, she always has fully comp insurance for commuting and business. She only uses the other one to work and business and does not want to go over her stated mileage hence this cheap runaround. I am only insured to take my nan hspital when my mum has work at that time

Sounds sounds like you're the main driver, be honest how often will your mum drive the spare car? If she's not at work she'll drive your nan in her car. The second car car will be used by you when you're going somewhere too far to walk kind of what I do with my main car. 

Sandtree

youngman19 said:

Ditzy_Mitzy said:

Jenni_D said:

Good spot.

Then yes, this could look suspicious to an insurance company. No doubt an entirely innocent act by the OP and Mum, and not intended in that way, but in effect still "fronting".

Especially if the mother's other car is insured with the same company, or they are somehow aware of its existence.  Her trying to insure a second car as 'main driver' with teenage son as a named driver, in addition to also being the main driver of the first car would surely set off alarm bells.  

Why can't someone have two cars and be main driver for legitimate reasons? Is that illegal?

(reasons I have already written above)

The question is who is the main driver of this "spare car"?

Insurers are concerned with "fronting", where an older/low risk person insurers a vehicle in their name with them as the main driver and adds a young/high risk person as a named driver. This results in a lowish premium as the main driver is low risk. In reality in some of these cases the main driver is the high risk driver and had this been declared the premiums would have been much higher.

A person can be the main driver on as many cars as they want as long as thats the truth... if someone has another main car, adds their kid on a second vehicle and the kid doesnt have access to any other vehicles then that starts smelling like a fronted policy.

Ultimately you need clarity from Hastings on exactly what grounds the cancellation has been made to enable you to formulate the complaint appropriately. 

youngman19

DB1904 said:

youngman19 said:

Jenni_D said:

caprikid1 said:

Ultimately the pair of you were looking to have your mother "Front" your insurance policy, sadly this is insurance fraud as there is no way she was going to be the primary driver of the second car you just happened to have around.

You might be right, but it's a bit of a leap to say this as fact.

@youngman19 who is the primary insured person on the main car? Your Dad, with Mum as a named driver? If Mum is the primary insured person on the main car then her being likewise on the 2nd car (with you as a named driver) may well appear as "fronting" to an insurance company.

Just to reply to your message I will copy and past...

NO absolutely not. Please don't assume this. We know what this means and I do not even need a car to get around as my work is close by. We are using this car as a second car to get my nan to her hospital appointments. When my mum is at her work then I will take her.
Yes, she always has fully comp insurance for commuting and business. She only uses the other one to work and business and does not want to go over her stated mileage hence this cheap runaround. I am only insured to take my nan hspital when my mum has work at that time

Sounds sounds like you're the main driver, be honest how often will your mum drive the spare car? If she's not at work she'll drive your nan in her car. The second car car will be used by you when you're going somewhere too far to walk kind of what I do with my main car. 

Again you are judging. Please don't assume that. Did I mention she works full time? No I didn't and no she doesn't either. Please stop

youngman19

Sandtree said:

youngman19 said:

Ditzy_Mitzy said:

Jenni_D said:

Good spot.

Then yes, this could look suspicious to an insurance company. No doubt an entirely innocent act by the OP and Mum, and not intended in that way, but in effect still "fronting".

Especially if the mother's other car is insured with the same company, or they are somehow aware of its existence.  Her trying to insure a second car as 'main driver' with teenage son as a named driver, in addition to also being the main driver of the first car would surely set off alarm bells.  

Why can't someone have two cars and be main driver for legitimate reasons? Is that illegal?

(reasons I have already written above)

The question is who is the main driver of this "spare car"?

Insurers are concerned with "fronting", where an older/low risk person insurers a vehicle in their name with them as the main driver and adds a young/high risk person as a named driver. This results in a lowish premium as the main driver is low risk. In reality in some of these cases the main driver is the high risk driver and had this been declared the premiums would have been much higher.

A person can be the main driver on as many cars as they want as long as thats the truth... if someone has another main car, adds their kid on a second vehicle and the kid doesnt have access to any other vehicles then that starts smelling like a fronted policy.

Ultimately you need clarity from Hastings on exactly what grounds the cancellation has been made to enable you to formulate the complaint appropriately. 

Currently it is my mum. It is a very cheap car. I will be looking to buy my own car once I have saved up enough and something that suits me more. 

youngman19

Belenus said:

youngman19 said:

Ditzy_Mitzy said:

Jenni_D said:

Good spot.

Then yes, this could look suspicious to an insurance company. No doubt an entirely innocent act by the OP and Mum, and not intended in that way, but in effect still "fronting".

Especially if the mother's other car is insured with the same company, or they are somehow aware of its existence.  Her trying to insure a second car as 'main driver' with teenage son as a named driver, in addition to also being the main driver of the first car would surely set off alarm bells.  

Why can't someone have two cars and be main driver for legitimate reasons? Is that illegal?

(reasons I have already written above)

Anyone can legally be the main driver on as many cars as they wish.

Car enthusiasts often have multiple cars and can insure themselves as the sole or main driver on all of them.

Many people have a weekday car for commuting etc and a weekend sports car for fun.

Many wealthy enthusiasts have far more than two cars.

Legality has little or no bearing on your situation. Your mother's insurance difficulties appear to be related to suspicious quotes or suspected fronting.

This is why she doesn't want to use her main one as that is used for business and commuting

DB1904

youngman19 said:

DB1904 said:

youngman19 said:

Jenni_D said:

caprikid1 said:

Ultimately the pair of you were looking to have your mother "Front" your insurance policy, sadly this is insurance fraud as there is no way she was going to be the primary driver of the second car you just happened to have around.

You might be right, but it's a bit of a leap to say this as fact.

@youngman19 who is the primary insured person on the main car? Your Dad, with Mum as a named driver? If Mum is the primary insured person on the main car then her being likewise on the 2nd car (with you as a named driver) may well appear as "fronting" to an insurance company.

Just to reply to your message I will copy and past...

NO absolutely not. Please don't assume this. We know what this means and I do not even need a car to get around as my work is close by. We are using this car as a second car to get my nan to her hospital appointments. When my mum is at her work then I will take her.
Yes, she always has fully comp insurance for commuting and business. She only uses the other one to work and business and does not want to go over her stated mileage hence this cheap runaround. I am only insured to take my nan hspital when my mum has work at that time

Sounds sounds like you're the main driver, be honest how often will your mum drive the spare car? If she's not at work she'll drive your nan in her car. The second car car will be used by you when you're going somewhere too far to walk kind of what I do with my main car. 

Again you are judging. Please don't assume that. Did I mention she works full time? No I didn't and no she doesn't either. Please stop

Single parent, not in full time employment but has a spare car and a teenage child who has just passed their test. I assume that's exactly how it is.

Belenus

youngman19 said:

Sandtree said:

youngman19 said:

Ditzy_Mitzy said:

Jenni_D said:

Good spot.

Then yes, this could look suspicious to an insurance company. No doubt an entirely innocent act by the OP and Mum, and not intended in that way, but in effect still "fronting".

Especially if the mother's other car is insured with the same company, or they are somehow aware of its existence.  Her trying to insure a second car as 'main driver' with teenage son as a named driver, in addition to also being the main driver of the first car would surely set off alarm bells.  

Why can't someone have two cars and be main driver for legitimate reasons? Is that illegal?

(reasons I have already written above)

The question is who is the main driver of this "spare car"?

Insurers are concerned with "fronting", where an older/low risk person insurers a vehicle in their name with them as the main driver and adds a young/high risk person as a named driver. This results in a lowish premium as the main driver is low risk. In reality in some of these cases the main driver is the high risk driver and had this been declared the premiums would have been much higher.

A person can be the main driver on as many cars as they want as long as thats the truth... if someone has another main car, adds their kid on a second vehicle and the kid doesnt have access to any other vehicles then that starts smelling like a fronted policy.

Ultimately you need clarity from Hastings on exactly what grounds the cancellation has been made to enable you to formulate the complaint appropriately. 

Currently it is my mum. It is a very cheap car. I will be looking to buy my own car once I have saved up enough and something that suits me more. 

A cheap car is close to meaningless for insurance purposes.

The main risk that insurance companies take on is third party claims not claims for the insured vehicle.

An insurance policy for a cheap car risks a claim for maybe a few thousand pounds for damage, theft etc.

But the main risk is that the insured drivers of that cheap car could be responsible for an accident that causes many thousands of pounds of damage to an expensive car or, almost infinitely worse, causes injury or death resulting in claims for hundreds of thousands or many millions of pounds.

Young drivers of cheap cars are statistically responsible for a much higher proportion of serious and expensive accidents and claims than older drivers of expensive cars and that is reflected in the cost of insurance premiums.

Insurance companies are well aware of fronting to avoid such higher premiums and they will do all they can to avoid taking on such risks.