Is it fronting?

[PhilUK]

Hey all.

I'm looking at getting a Type R, but as I've only been driving a couple of years the insurance premium is out of my price range. I was initially just going to put myself as second named driver on a policy with my girlfriend as the policy holder.

As we read into it a bit we realised that it's called fronting and it's counted as fraud. Considering our jobs we can't risk doing that.

I wanted to see what a quote would be with me as the main driver on the policy as the registered keeper but not as the policy holder, so I went to Admiral and done it all the same and put me as the second named driver, but in the box for 'Main Driver' I've selected me and also put myself as the registered keeper. The quote is the same as before.

Is this fronting, or as I'm informing them in the appropriate boxes and it's letting me get a quote mean that it's all gravy?

Thanks all.

[FussyFez]

I'd say in this case it's all gravy. You are not lying to them in any way. I'm no expert though.

[New POD]

Who is using the car most ? That person is the main driver.

The problem comes if the person who "really" owns the car, is only a named driver.

Especially if that driver is a higher risk and has no NCB

[PhilUK]

Well I've ticked the box to say that I'm the keeper and ticked the box to say that I'm the main driver, and they're still giving a quote and letting me go through to the payment page.

It's obvious that I'm using my partners name to bring my policy down but I've been completely honest and stuff.

They can't deny me cover in the event of a claim if I've given them all that information and they've still offered me a quote, can they? I mean, its not fraudulent as I've told them everything and they seem to accept it.

Right?

Edited by PhilUK on Saturday 12th October 21:23

Edited by PhilUK on Saturday 12th October 21:23

[73mark]

Get quotes every day and the price will change from day to day I did for 2weeks and it was as much as £100

[Jayessgee]

PhilUK said:

Well I've ticked the box to say that I'm the keeper and ticked the box to say that I'm the main driver, and they're still giving a quote and letting me go through to the payment page.

It's obvious that I'm using my partners name to bring my policy down but I've been completely honest and stuff.

They can't deny me cover in the event of a claim if I've given them all that information and they've still offered me a quote, can they? I mean, its not fraudulent as I've told them everything and they seem to accept it.

Right?

Edited by PhilUK on Saturday 12th October 21:23

Edited by PhilUK on Saturday 12th October 21:23

You're absolutely correct. If you've answered all the questions correctly and honestly it will be fine.

[PhilUK]

That's what we thought. I'll probably call them but I wanted some real life answers, not the sales crap they give you.

Thanks again.

[R0G]

If the registered owner and the main driver then adding lower insurance risks as named drivers can bring the quotes down - that is legal even if the named drivers never actually drive the car

[Chris944_S2]

PhilUK said:

That's what we thought. I'll probably call them but I wanted some real life answers, not the sales crap they give you.

Thanks again.

If you're doing it through a website, you may have found a way around the expensive quote that you would normally get but the discrepancy seems to be on their side.

I wouldn't call them, if they then say no then you've got a bigger dilemma, they certainly will try to argue it because it's in their best interest to get as much as possible out of you. Take out the policy, in the unlikely event that you have to claim and they investigate, they will probably come to the conclusion that the problem is with their automated method for issuing quotes so it cannot be your responsibility.

Make sure you read all the small prints and comply with everything stated, but it sounds as if you've covered everything honestly.