Fronting Bint Thread
Discussion
Titan Simba said:
peterguk V6 KWK said:
Simps said:
How do you work that one out then?
There is always a reason why someone would opt to have a fronted policy, chances are that it is because insurers want to take the absolute piss when it comes to insuring a car in their own name
= either you're too poor to pay, or decide you will not pay.There is always a reason why someone would opt to have a fronted policy, chances are that it is because insurers want to take the absolute piss when it comes to insuring a car in their own name
Simps said:
(I'm a great example of this - 17 year old male in SE London - The cheapest quote I've gotten from 20 odd companies for a £60 MK3 1.0 VW Polo breadvan is well into 3 grand.)
What's that got to do with me?
Simps said:
How about you tackle the cause of the problem . .
Howabout YOU tackle the problem. I pay my premiums, as do most others. Why should i have to worry about you?It really pigs me off... We all live in the same country, same rules and regulations... Whethere we like them or not...
If you can't afford to drive a car legally, then get a bus to your local Halfords and buy a bike.
I should be able to go out in my car without worrying that i'll get hit by some uninsured chav. causing me laods of undeserved financial heartache.
Sorry if you don't like what i say, but this is life, so get real.
Simps said:
How do you work that one out then?
There is always a reason why someone would opt to have a fronted policy, chances are that it is because insurers want to take the absolute piss when it comes to insuring a car in their own name (I'm a great example of this - 17 year old male in SE London - The cheapest quote I've gotten from 20 odd companies for a £60 MK3 1.0 VW Polo breadvan is well into 3 grand.)
So, let's say you report this fronted driver and they have their policy cancelled, what in the world are they going to do? Sell their car and get on a Bus? I somehow doubt that. There is a large chance that the driver will say f
k it and continue driving their lovely warm car completely uninsured. Now, tell me, would you rather be hit by someone who has technically invalid insurance which still could possibly pay out, or somebody who out and out doesn't have any? I know which I'd rather have a fender bender with.
How about you tackle the cause of the problem . It's not because someone wants to shave £50 off of their annual premiums, it is because they will save a MASSIVE about of money by doing it - In my case it would bring the polo insurance down to £982. Still not fantastic considering the car is quite literally worth £60, but it is a lot more reasonable than £3000.
Insurance companies straight out take the piss with younger drivers, until they stop doing it you are doing to see increasing amounts of uninsured and fronted drivers.
How about reducing the premiums for young drivers when they have shown that they are not the high risk that the insurers think they are by perhaps not crashing so much? Or so often? Or is that what no claims bonus is all about?There is always a reason why someone would opt to have a fronted policy, chances are that it is because insurers want to take the absolute piss when it comes to insuring a car in their own name (I'm a great example of this - 17 year old male in SE London - The cheapest quote I've gotten from 20 odd companies for a £60 MK3 1.0 VW Polo breadvan is well into 3 grand.)
So, let's say you report this fronted driver and they have their policy cancelled, what in the world are they going to do? Sell their car and get on a Bus? I somehow doubt that. There is a large chance that the driver will say f
k it and continue driving their lovely warm car completely uninsured. Now, tell me, would you rather be hit by someone who has technically invalid insurance which still could possibly pay out, or somebody who out and out doesn't have any? I know which I'd rather have a fender bender with. How about you tackle the cause of the problem . It's not because someone wants to shave £50 off of their annual premiums, it is because they will save a MASSIVE about of money by doing it - In my case it would bring the polo insurance down to £982. Still not fantastic considering the car is quite literally worth £60, but it is a lot more reasonable than £3000.
Insurance companies straight out take the piss with younger drivers, until they stop doing it you are doing to see increasing amounts of uninsured and fronted drivers.
Simps said:
Insurance companies straight out take the piss with younger drivers, until they stop doing it you are doing to see increasing amounts of uninsured and fronted drivers.
When my son passed his test I thought like that, but you have to realise that Insurance Companies spend a lot of time and money researching this stuff, so the only reason they hike the premiums and risk losing custom is because it is a high risk demographicEdited by Apache on Sunday 30th November 10:34
I am not going to bother breaking down please and every post made after my reply as it is very clear that If you think that an annual premium of £3500 can somehow be justified for a £60 car, then I'm going to going your mind.
I would however be interested in knowing what everyone who is against my views paid for their first policy?
I would however be interested in knowing what everyone who is against my views paid for their first policy?
It doesn't matter how much your car is worth - it's the potential risk you pose to other drivers, other cars, or anything else on or near the road.
If you hit a Ferrari or another expensive car or if someone is killed or seriously injured in an accident that is your fault, how far do you think £3500 goes towards any costs? Put like that, £3500 looks like a bargain.
When you prove that you aren't a risk by driving safely and not claiming, you will get no claims bonus, and your premium will reduce both because of your age and because of the NCB discount.
By the way, I paid for my first policy and it was much more expensive than the car.
If you hit a Ferrari or another expensive car or if someone is killed or seriously injured in an accident that is your fault, how far do you think £3500 goes towards any costs? Put like that, £3500 looks like a bargain.
When you prove that you aren't a risk by driving safely and not claiming, you will get no claims bonus, and your premium will reduce both because of your age and because of the NCB discount.
By the way, I paid for my first policy and it was much more expensive than the car.
Simps said:
I am not going to bother breaking down please and every post made after my reply as it is very clear that If you think that an annual premium of £3500 can somehow be justified for a £60 car, then I'm going to going your mind.
I would however be interested in knowing what everyone who is against my views paid for their first policy?
Its not your car that matters, you crash into a Veyron at 40mph. The fact your car is worth buttons is irelevant.I would however be interested in knowing what everyone who is against my views paid for their first policy?
FYI, I am 20, living in Liverpool L15, on a 99 1.25 Fiesta with 2 years NCB, 3 points SP30. Got my step mum as named driver, it is still £1200. A pisstake, but a necessary one, and that investment of £1200 allows me to get to work and earn £20k+. That is Third party only. Last year, I was fully comp (on poor advice) and it cost me £2260, when I was earning £14k.
Edited by Taita on Sunday 30th November 11:24
speedy_thrills said:
If you think insuring young drivers is profitable have a go at it, good luck. Many insurance companies insure young drivers at a loss in the hope they'll keep them as future business.
It's not an opinion it's a fact.
Thats is undoubtably true however the premiums are viewed as a 'basket' and the appropriate levels of cover are levied.It's not an opinion it's a fact.
What is happening here is the insurance companies are trying to get their money back quicker even though the losses are already covered by everyone elses general premiums.
Simps said:
I am not going to bother breaking down please and every post made after my reply as it is very clear that If you think that an annual premium of £3500 can somehow be justified for a £60 car, then I'm going to going your mind.
I would however be interested in knowing what everyone who is against my views paid for their first policy?
I paid £1800 for TPFT policy for a 1.0 metro as my first policy. After 3 years I think it was about £800 for a 1.3ish diesel Pug 106, which was vandalised and I was assulted at the same time (mate's neighbours obviously didn't like students). Next year I was back to paying £1800 or so as I couldn't identify any of the group, apart from one who was too young to persue for costs, so down it went as an 'at fault' claim. It made its way down to around £600 about three years later.I would however be interested in knowing what everyone who is against my views paid for their first policy?
The problem is, although your car is only worth 60 quid, the '40k Merc' you might hit is what the insurers are actually covering you against, and I knew people at college with their first cars which needed that cover.
Simps said:
I am not going to bother breaking down please and every post made after my reply as it is very clear that If you think that an annual premium of £3500 can somehow be justified for a £60 car, then I'm going to going your mind.
I would however be interested in knowing what everyone who is against my views paid for their first policy?
'Against your views'? What, your view that driving uninsured is somehow a good thing to do because the nasty insurance companies don't like you?I would however be interested in knowing what everyone who is against my views paid for their first policy?
Here's a clue. Society doesn't owe you anything. You aren't just entitled to stuff, you have to work to get it and if you don't have it you can't cry 'foul'. Life doesn't work like that.
I didn't buy a car until I was 22, because - guess what - I couldn't afford it. Yes it was a pain in the arse but I coped and got very familiar with buses and trains. That's what you do - you get by. BTW - my first car was a 10-year old 205 with 150,000 miles and plenty of rust, and yes the insurance was still more than the car was worth.
Stop whinging about things not being 'justified' or companies 'taking the piss'. A lot of very clever people have analysed decades of data to decide that actually insuring young drivers is a very big risk.
Simps said:
If you think that an annual premium of £3500 can somehow be justified for a £60 car, then I'm going to going your mind.
You don't seem to understand how things work, the function of insurance or the simple economics of running a vehicle. This explains your anger....I'd read this if I were youhttp://en.wikipedia.org/wiki/Car_insurance
Apache said:
Simps said:
If you think that an annual premium of £3500 can somehow be justified for a £60 car, then I'm going to going your mind.
You don't seem to understand how things work, the function of insurance or the simple economics of running a vehicle. This explains your anger....I'd read this if I were youhttp://en.wikipedia.org/wiki/Car_insurance
I'm not saying I want you to support , I am asking some of you to get out of your ivory towers and realize for a split second why someone would do it.
Until prices come down to a sane level people will continue to have invalid policies and drive i, which in turn are going to raise premiums even more. It's a viscous circle that isn't going to stop anytime soon at this rate.
Simps said:
Apache said:
Simps said:
If you think that an annual premium of £3500 can somehow be justified for a £60 car, then I'm going to going your mind.
You don't seem to understand how things work, the function of insurance or the simple economics of running a vehicle. This explains your anger....I'd read this if I were youhttp://en.wikipedia.org/wiki/Car_insurance
I'm not saying I want you to support , I am asking some of you to get out of your ivory towers and realize for a split second why someone would do it.
Until prices come down to a sane level people will continue to have invalid policies and drive i, which in turn are going to raise premiums even more. It's a viscous circle that isn't going to stop anytime soon at this rate.
Simps said:
Apache said:
Simps said:
If you think that an annual premium of £3500 can somehow be justified for a £60 car, then I'm going to going your mind.
You don't seem to understand how things work, the function of insurance or the simple economics of running a vehicle. This explains your anger....I'd read this if I were youhttp://en.wikipedia.org/wiki/Car_insurance
I'm not saying I want you to support , I am asking some of you to get out of your ivory towers and realize for a split second why someone would do it.
Until prices come down to a sane level people will continue to have invalid policies and drive i, which in turn are going to raise premiums even more. It's a viscous circle that isn't going to stop anytime soon at this rate.
The £3k insurance price IS justified to the insurance co - that's what matters. You may not feel it is justfied but they do (and have the stats to back it up). The misconception you have is that it should be affordable (and a right) for everyone to drive a car - this is not the case.
Simps said:
Until prices come down to a sane level people will continue to have invalid policies and drive i, which in turn are going to raise premiums even more. It's a viscous circle that isn't going to stop anytime soon at this rate.
A viscous circle. 
Sticky.People who drive uninsured get their cars crushed. Believe me - this happens. Even if the car is a £50 snotter people will care about that. Especially as do it again and you can go to jail. People care about that a LOT. Criminal record = shafted for life. So no - I don't think young people will be that dumb. They know there's a chance of being caught. Why risk it?
The ones who just don't care and drive uninsured will eventually get caught and their lives will be ruined.
The insurers level their premiums high for young drivers - this is so they don't lose money - because like it or not young drivers crash far more than older ones. This may not be true of a particular young driver - but generally it's true and wanting it not to be won't change anything. Remember as well that they're not insuring anyone for trashing their own s
theap that's worth a tenner - they're insuring you against the multi-million pound compensation claim to pay for a lifetime of round the clock care of the poor bugger who got paralysed in the accident. The compensation claim that would otherwise see you bankrupt for the rest of your life.I couldn't afford a car until I was 21. I then paid about £400 a year. That would be about £1K in "today's money".
does insurance work like this if you are married????
I have a car in my name but drive on wifes insurance with myself as named driver
she also has a car in her name with different insurance(still her policy though)with me as named driver
have I got to sort it sharpish? she thinks it's different if you are a spouse
I have a car in my name but drive on wifes insurance with myself as named driver
she also has a car in her name with different insurance(still her policy though)with me as named driver
have I got to sort it sharpish? she thinks it's different if you are a spouse
Don said:
Simps said:
Until prices come down to a sane level people will continue to have invalid policies and drive i, which in turn are going to raise premiums even more. It's a viscous circle that isn't going to stop anytime soon at this rate.
A viscous circle. Sticky.People who drive uninsured get their cars crushed. Believe me - this happens. Even if the car is a £50 snotter people will care about that. Especially as do it again and you can go to jail. People care about that a LOT. Criminal record = shafted for life. So no - I don't think young people will be that dumb. They know there's a chance of being caught. Why risk it?
The ones who just don't care and drive uninsured will eventually get caught and their lives will be ruined.
The insurers level their premiums high for young drivers - this is so they don't lose money - because like it or not young drivers crash far more than older ones. This may not be true of a particular young driver - but generally it's true and wanting it not to be won't change anything. Remember as well that they're not insuring anyone for trashing their own s
theap that's worth a tenner - they're insuring you against the multi-million pound compensation claim to pay for a lifetime of round the clock care of the poor bugger who got paralysed in the accident. The compensation claim that would otherwise see you bankrupt for the rest of your life.I couldn't afford a car until I was 21. I then paid about £400 a year. That would be about £1K in "today's money".
eg mileage ... how will insurers know? assume you total your car and it's 1 month after renewal and MOT date and you have done 2000 miles this will average out at 24,000 a year therefore you 8,000 a year looks unlikely.
is is the vehicle garaged overnight and your a teenager and your car is worth £500. Again unlikely as you live with parents and they have there own cars which cars actually live in the warm?
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