Car insurance and no claims.

400ixl

Sarah69 said:

Yes it’s in his name so I guess he’d be the registered keeper then. 

He’s always done the insurance for me so as far as I know it’s insured in his name and I’m the named driver. He has his own car and I’ve just been added to his policy so I can drive that. 

I’m just trying to do my own insurance because he is unable to and to be honest it’s all a bit confusing having never done it before.

 I’ve never heard the word fronting and don’t know what it means. As others have posted that the insurance that he’s doing is illegal or whatever I’m sure he doesn’t realise that because he’s not the sort of person to do anything illegal! 

Slightly confused now.

So is this that you don't have your own car and have just been added to the policy of your dad's car so you can drive that when you need too? If that is the case then fronting is not an issue.

Have you now bought your own car and want to insure that as yours? Or are you trying to insure your dad's car on your own policy and he will also still be insuring his car in his own name?

Sarah69

400ixl said:

Sarah69 said:

Yes it’s in his name so I guess he’d be the registered keeper then. 

He’s always done the insurance for me so as far as I know it’s insured in his name and I’m the named driver. He has his own car and I’ve just been added to his policy so I can drive that. 

I’m just trying to do my own insurance because he is unable to and to be honest it’s all a bit confusing having never done it before.

 I’ve never heard the word fronting and don’t know what it means. As others have posted that the insurance that he’s doing is illegal or whatever I’m sure he doesn’t realise that because he’s not the sort of person to do anything illegal! 

Slightly confused now.

So is this that you don't have your own car and have just been added to the policy of your dad's car so you can drive that when you need too? If that is the case then fronting is not an issue.

Have you now bought your own car and want to insure that as yours? Or are you trying to insure your dad's car on your own policy and he will also still be insuring his car in his own name?

Yes I have my own car and my insurance will need renewing in March. My dad insured it in his name with me as the named driver. My dad has his own car and now he can’t drive for a little while so I’ve been added to his policy so I can drive it to take him or my mum to appointments or just out for the day. I just came on to ask about no claims as I’m really confused trying to work out my own insurance as my dad is unable to do it for me now. Then there’s all this about fronting that I’ve never heard of before but have now read about. My dad would never knowingly do this. 

Ayr_Rage

@Sarah69
You are the owner.
(Does he declare your ownership to the insurer?)
Your father is the registered keeper on the V5C, 
He insures the car with you as a named driver however you are actually the main driver of the vehicle
If that is the case then this is fronting, illegal and insurance fraud.

You need to get insurance in your own name and if you want, for whatever reason, to leave your father as the registered keeper, declare that to the insurer as well.

macman

Sarah69 said:

400ixl said:

Sarah69 said:

Yes it’s in his name so I guess he’d be the registered keeper then. 

He’s always done the insurance for me so as far as I know it’s insured in his name and I’m the named driver. He has his own car and I’ve just been added to his policy so I can drive that. 

I’m just trying to do my own insurance because he is unable to and to be honest it’s all a bit confusing having never done it before.

 I’ve never heard the word fronting and don’t know what it means. As others have posted that the insurance that he’s doing is illegal or whatever I’m sure he doesn’t realise that because he’s not the sort of person to do anything illegal! 

Slightly confused now.

So is this that you don't have your own car and have just been added to the policy of your dad's car so you can drive that when you need too? If that is the case then fronting is not an issue.

Have you now bought your own car and want to insure that as yours? Or are you trying to insure your dad's car on your own policy and he will also still be insuring his car in his own name?

Yes I have my own car and my insurance will need renewing in March. My dad insured it in his name with me as the named driver. My dad has his own car and now he can’t drive for a little while so I’ve been added to his policy so I can drive it to take him or my mum to appointments or just out for the day. I just came on to ask about no claims as I’m really confused trying to work out my own insurance as my dad is unable to do it for me now. Then there’s all this about fronting that I’ve never heard of before but have now read about. My dad would never knowingly do this. 

Whether knowingly done or not, fronting is a very serious offence. Not only does it render the policy void, but means that he is unlikely to be offered future insurance.
If neither policy is in your name then obviously you don't have any entitlement to NCB, you are simply a named driver.

chrisw

Ayr_Rage said:

He insures the car with you as a named driver however you are actually the main driver of the vehicle
If that is the case then this is fronting, illegal and insurance fraud.

Not necessarily! The named driver can be the main driver as long as it's correctly declared. 

I got a company car and gave my car to my wife, I still insure it but she is a named driver and also declared to be the main driver.

Aretnap

chrisw said:

Ayr_Rage said:

He insures the car with you as a named driver however you are actually the main driver of the vehicle
If that is the case then this is fronting, illegal and insurance fraud.

Not necessarily! The named driver can be the main driver as long as it's correctly declared. 

I got a company car and gave my car to my wife, I still insure it but she is a named driver and also declared to be the main driver.

Indeed. They're is a lot of wrongness on this thread, much of which has nothing to do with the OP's original question.

Most insurers will ask for a list of drivers, then ask which of them is the "main driver" ie the person who drives the vehicle most. So long as all the questions are answered truthfully there is no reason why the car can't be insured by someone who is not the main driver, or the owner, or the registered keeper, or any of the three.

Some insurers don't even ask who is the main driver at all, and just price on the assumption that the most risky driver will be doing most of the driving. That makes the whole question of fronting a nullity.

It's answering a question untruthfully which is illegal, not any particular configuration of policyholder/main driver/owner etc.

As for the OP's actual question, no claims discount is earned by the policyholder. If your dad has been insuring the car in his own name, you won't have any NCD to use when you insure it in your own name (unless your insurer is one of the minority who offer NCD to named drivers who take it their own policy with them - which does tie you to using the same insurer that your dad used)