Named driver crash my car - I have no details of what happen
Discussion
justamumof3 said:
Pit Pony said:
Given how difficult it is for people with unspent criminal convictions to obtain insurance, my caution about your insurance company looking at the future claim, in great detail, is even more pertinent.
Ok. I can’t even remember them asking this question I reckon 150 quotes at least. ALWAYS asked about None motoring convictions for all drivers.
justamumof3 said:
Pit Pony said:
Given how difficult it is for people with unspent criminal convictions to obtain insurance, my caution about your insurance company looking at the future claim, in great detail, is even more pertinent.
Ok. I can’t even remember them asking this question If your car is written off then the insurer will not pay out if your Bro is an unnacceptable risk to them, but please call the insurer asap and give what info you have before the police contact them.
justamumof3 said:
Deranged Rover said:
And get your brother removed from your insurance pronto.
Doubt there be any point now. They will surely cancel it completely. Pit Pony said:
justamumof3 said:
Pit Pony said:
Given how difficult it is for people with unspent criminal convictions to obtain insurance, my caution about your insurance company looking at the future claim, in great detail, is even more pertinent.
Ok. I can’t even remember them asking this question I reckon 150 quotes at least. ALWAYS asked about None motoring convictions for all drivers.
Just think about it for a second, do you think an insurer would want to load the premium of someone with multiple convictions of fraud, or just charge them the same as Mrs Miggins with no convictions?
BUG4LIFE said:
Sooooo many assumptions on this thread. As others have said, all you can do OP is call your insurance company and give them all you know at the moment...and then keep your fingers crossed!
I at least hope your Bro wasn't driving the car as if he was the main driver [like every day].
Thank you. I’m going to call them.I at least hope your Bro wasn't driving the car as if he was the main driver [like every day].
No he wasn’t driving it everyday. I only added him on as his the only other driver in the family and could be used in emergencies.
justamumof3 said:
blue_haddock said:
This sounds fishier than a grimsby trawler.
Almost certainly fronting the brother so possibly going to have repercussions for your insurance going forward.
What do you mean fronting the brother? Lying for him? I’m not Almost certainly fronting the brother so possibly going to have repercussions for your insurance going forward.
Common examples would be e.g. a teenage male driving round in "his" car but the insurance is in his mother's name and the insurer believes she is the main driver, because the insurance costs much less for a 40something mum as the main driver. This is a breach of contract with the insurer and where higher-risk named drivers crash the car, the insurer will explore this to find out not just who was actually driving but who really was the main user of the car.
The basis which needs to be understood is that the insurer either would have charged a much higher premium had they known the higher risk driver was really the person normally driving the car, or perhaps would have refused insurance for them entirely.
In your case your insurer will want to clarify that this banged up car was really your car, that it was really you who normally drove it, and it was normally parked outside your house for you to use, and that your brother simply borrowed it and crashed it. The bad outcome for you will be if the insurer realises that whilst it was your insurance policy, the car was mainly being used by your brother, wasn't normally parked outside your house, and that the insurance was in your name for convenience or because it seemed a cheaper way to get your brother insured.
jamieduff1981 said:
To answer the question since nobody else has, "Fronting" is the practise of someone low risk (such as you) taking out a car insurance policy pretending to be the main driver in order for a named driver, whom the insurer understands to be an occassional user of the insured car, to use the car most of the time.
Common examples would be e.g. a teenage male driving round in "his" car but the insurance is in his mother's name and the insurer believes she is the main driver, because the insurance costs much less for a 40something mum as the main driver. This is a breach of contract with the insurer and where higher-risk named drivers crash the car, the insurer will explore this to find out not just who was actually driving but who really was the main user of the car.
The basis which needs to be understood is that the insurer either would have charged a much higher premium had they known the higher risk driver was really the person normally driving the car, or perhaps would have refused insurance for them entirely.
In your case your insurer will want to clarify that this banged up car was really your car, that it was really you who normally drove it, and it was normally parked outside your house for you to use, and that your brother simply borrowed it and crashed it. The bad outcome for you will be if the insurer realises that whilst it was your insurance policy, the car was mainly being used by your brother, wasn't normally parked outside your house, and that the insurance was in your name for convenience or because it seemed a cheaper way to get your brother insured.
Thank you for explaining. The car was mainly used by myself but my brother would use it every now and again. He has another car (no on this insurance) which he used. I don’t know how I would proved this but I’ll suppose I just have to wait till it comes to that point. Common examples would be e.g. a teenage male driving round in "his" car but the insurance is in his mother's name and the insurer believes she is the main driver, because the insurance costs much less for a 40something mum as the main driver. This is a breach of contract with the insurer and where higher-risk named drivers crash the car, the insurer will explore this to find out not just who was actually driving but who really was the main user of the car.
The basis which needs to be understood is that the insurer either would have charged a much higher premium had they known the higher risk driver was really the person normally driving the car, or perhaps would have refused insurance for them entirely.
In your case your insurer will want to clarify that this banged up car was really your car, that it was really you who normally drove it, and it was normally parked outside your house for you to use, and that your brother simply borrowed it and crashed it. The bad outcome for you will be if the insurer realises that whilst it was your insurance policy, the car was mainly being used by your brother, wasn't normally parked outside your house, and that the insurance was in your name for convenience or because it seemed a cheaper way to get your brother insured.
JQ said:
I had a fairly big crash in my youth which involved several charges being brought against me and several hours of police interviews. I was never locked up, why would someone just be locked up for reckless? Are you sure you have the whole story?
Perhaps he was drunk or there was drugs/similar naughtiness going on in the car.OP - to answer your question about Front/Fronting - if you were down as the main driver of the car, but in reality your brother was the main driver, that's insurance fraud and illegal. More often you see it with someone being a named driver (and by implication, only an occasional user) on their mum's insurance to get much cheaper premiums than if they were honest. Not saying that's what you've done, just answering your question.
what do you do in the case of a family car?
say the wife does the day to day driving of picking and dropping kids but the husband does the long drives at weekend. for arguments sake, total mileage driven by each party is within 10% of each other?
Who do you declare as the main driver?
let's say it is equal driving between the pair. Who is the main driver for insurance purposes?
say the wife does the day to day driving of picking and dropping kids but the husband does the long drives at weekend. for arguments sake, total mileage driven by each party is within 10% of each other?
Who do you declare as the main driver?
let's say it is equal driving between the pair. Who is the main driver for insurance purposes?
justamumof3 said:
Yes my brother is the named driver. I can’t contact him because he is in jail. You can’t ring up and ask to speak to inmates.
It’s (slightly) unusual for you not to know about the named driver taking your car, so the insurance company are quite likely to wonder whether you really are the main driver or whether your brother is.Anyway, you know who the driver was, so just inform your insurance company of what you know to get the claim started. Make notes now of what you know and what happened when, as otherwise things can get a bit jumbled up in your mind later.
justamumof3 said:
Thank you. I was thinking if someone is arrested for reckless driving would that invalidate your insurance. Like a drink/drug driving charge. I don’t know when I’m be able to speak with him but I’ll contact them. This is helpful thanks
It will not invalidate any claim from other people for damage which he has caused, but will possibly mean that the damage to your car is not covered.BUG4LIFE said:
Sooooo many assumptions on this thread. As others have said, all you can do OP is call your insurance company and give them all you know at the moment...and then keep your fingers crossed!
^^^ this.Just tell the insurers what you know. You can't be expected to give details of an incident if you genuinely cannot contact the person.
However, expect questions from the insurer.
MrJuice said:
what do you do in the case of a family car?
say the wife does the day to day driving of picking and dropping kids but the husband does the long drives at weekend. for arguments sake, total mileage driven by each party is within 10% of each other?
Who do you declare as the main driver?
let's say it is equal driving between the pair. Who is the main driver for insurance purposes?
You have to tell them which one you think will be the main driver. If you get it “wrong” though and it’s still a lot 50:50 no-one is going to start an investigation over it.say the wife does the day to day driving of picking and dropping kids but the husband does the long drives at weekend. for arguments sake, total mileage driven by each party is within 10% of each other?
Who do you declare as the main driver?
let's say it is equal driving between the pair. Who is the main driver for insurance purposes?
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