car insurance for 17 year old. help!

chuckles1066

Labman wrote: »

Why don't you take it a step further and say 'don't do it', you'd be lying?

Because, as a law-abiding motorist driving a fully insured and legal 57 plate vehicle worth £20k, I'd be happier knowing that the vehicle heading towards me is being driven by someone insured in *some* capacity rather than by an uninsured smackhead.

If it hits me, I have recourse via his insurance; whatever subsequent dialogue occurs between the driver, his parents and his insurance company is no concern of mine.

You have to face facts;

(a) you charge a 17yr earning £12k a year £3k a year to insure his car
(b) he/she involves him/herself in a bit of fronting
(c) he/she drives uninsured

(a) is a no-go so it's either (b) or (c).

raskazz

chuckles1066 wrote: »

(a) you charge a 17yr earning £12k a year £3k a year to insure his car
(b) he/she involves him/herself in a bit of fronting
(c) he/she drives uninsured

(a) is a no-go so it's either (b) or (c).

But (b) and (c) are essentially the same as the discovery of (b) leads to (c).

chuckles1066

raskazz wrote: »

But (b) and (c) are essentially the same as the discovery of (b) leads to (c).

This is a circular argument :j

Only the stupid would permit a loss adjuster to establish any sort of link between (b) and (c).

Read my earlier post about how my niece gained an entitlement to a 65% no claims bonus on a piece of metal in her garage.

raskazz

chuckles1066 wrote: »

This is a circular argument :j

Only the stupid would permit a loss adjuster to establish any sort of link between (b) and (c).

What are you talking about?

If a fronter whacked your car their insurer will probably discover the fronting.

The result is that the fronter is not insured as the policy will be void - from inception - so this leaves you in much the same position as if the person who had hit you had never set a policy up.

Then you will have to claim for the damage to your own car through your own insurance and it will go down as a fault claim against you (as you can only claim for your own car's damage by an uninsured driver through the MIB if there is no other policy inforce to cover the loss).

So when you say "I'd be happier knowing that the vehicle heading towards me is being driven by someone insured in *some* capacity rather than by an uninsured smackhead" I really don't think you understand the implications of fronting.

We can go round in circles. I, however, will go to sleep tonight knowing that what I say is correct.

Riq

Labman wrote: »

Please explain/expand!

erm, well.

The policy is in my name (started when I was 21), I got some quotes but then decided to put my mum on my insurance so she could move my car off the drive and the premium REDUCED by £100. Then the policy itself was £150 cheaper than anywhere else.

I had a crash in June last year and my quotes were around the £950 mark, cheapest was £946. However I got my renewal stuff through yesterday and they want £806 to renew. I thought that was brilliant considering I thought they would rinse me for the crash.

My car when I got my policy was worth £200, the one I drive now was bought for £5,300. Now worth about £4k i guess though.

poet123

How is main driver defined? suppose both drivers drive the car roughly the same ,i.e take turns each day dropping each other off at work. There is no way an insurance company could prove which one actually drove the car the most. Or another scenario, we have 3 cars and whoever goes out first takes the last car on the drive (or they all have to be moved )as they are all insured for all of us to drive. So we all drive the 3 cars roughly equally. So how would any insurance company know what we do not know??

chuckles1066

poet123 wrote: »

How is main driver defined? suppose both drivers drive the car roughly the same ,i.e take turns each day dropping each other off at work. There is no way an insurance company could prove which one actually drove the car the most. Or another scenario, we have 3 cars and whoever goes out first takes the last car on the drive (or they all have to be moved )as they are all insured for all of us to drive. So we all drive the 3 cars roughly equally. So how would any insurance company know what we do not know??

Case closed m'lud.

silvercar

I said I wasn't going to be fronting and TBH I feel that this thread has been hijacked with the discussion on fronting which has been discussed on other threads.

I'm not going to front and I would like any help anyone can give.

My question was should I register the car as mine with him as main driver or as his with him as main driver.

The car is going to be worth £4-6k 'cos that was the deal I did with my son and he has worked hard to pay his share. My only stipulation to him was that it has to be a group 1 insurance.

Thanks for advice given so far.

Riq

Have a go on the insurance websites. See what it says when you put in that he IS the registered owner and again that he is NOT the registered owner.

raskazz

poet123 wrote: »

How is main driver defined? suppose both drivers drive the car roughly the same ,i.e take turns each day dropping each other off at work. There is no way an insurance company could prove which one actually drove the car the most. Or another scenario, we have 3 cars and whoever goes out first takes the last car on the drive (or they all have to be moved )as they are all insured for all of us to drive. So we all drive the 3 cars roughly equally. So how would any insurance company know what we do not know??

But in this case, if you use the cars roughly equally there would not be a problem as there is no fronting, ergo the insurance company would not care. Or if they did, you would be able to provide evidence as to the usage.