quick question - is this fronting?
Discussion
Evening all
wife has fairly knackered Alfa Romeo twin spark. which is SORN'd.
She's just written off my family car, so I'm bringin the Alfa back on the road.
We drive 50:50 in mileage terms: her the more frequent short journeys during the week, myself the longer weekend trips.
So, on to insurnace quotes.
If the vehicle was owned by me, fully comp insurance taken out by me, with her as named driver, who is nominated as "main" driver - costs about £100 less than if she owns and insures the vehicle, with me added as named driver, and her nominated as main driver. All accidents and endorsements disclosed like for like.
Car would be signed over properly - V5, paying the tax etc.
Question - could this be thought of as "fronting"?
As long as my discloses about who is driving are accurate, and I complete the paperwork correctly, can anyone see any issues with this (other than deciding how to spend the £100 I've saved *)
(* Actually, it will have to go on 2 new front tyres, given the 156 destroyed the inner tread of the existing ones)
Thanks,
Ian
wife has fairly knackered Alfa Romeo twin spark. which is SORN'd.
She's just written off my family car, so I'm bringin the Alfa back on the road.
We drive 50:50 in mileage terms: her the more frequent short journeys during the week, myself the longer weekend trips.
So, on to insurnace quotes.
If the vehicle was owned by me, fully comp insurance taken out by me, with her as named driver, who is nominated as "main" driver - costs about £100 less than if she owns and insures the vehicle, with me added as named driver, and her nominated as main driver. All accidents and endorsements disclosed like for like.
Car would be signed over properly - V5, paying the tax etc.
Question - could this be thought of as "fronting"?
As long as my discloses about who is driving are accurate, and I complete the paperwork correctly, can anyone see any issues with this (other than deciding how to spend the £100 I've saved *)
(* Actually, it will have to go on 2 new front tyres, given the 156 destroyed the inner tread of the existing ones)
Thanks,
Ian
OK, thanks for those thoughts.
The price comparison site I've been using does ask the question which of the drivers (ie proposer and named) is the "main" driver, but I appreciate this seems odd situation.
I could always call them - I still need to find out what happens to my current policy - which is about 5 weeks in, with my car being declared a write off (although the value is only £700 so I'm not particularly upset).
I suspect that policy has now "ended", but I should ask them about whether I can switch cover to our remaining car. Any fees and extra premiums are likely to be less than a whol new policy fee.
cheers,
Ian
The price comparison site I've been using does ask the question which of the drivers (ie proposer and named) is the "main" driver, but I appreciate this seems odd situation.
I could always call them - I still need to find out what happens to my current policy - which is about 5 weeks in, with my car being declared a write off (although the value is only £700 so I'm not particularly upset).
I suspect that policy has now "ended", but I should ask them about whether I can switch cover to our remaining car. Any fees and extra premiums are likely to be less than a whol new policy fee.
cheers,
Ian
Just to round this one off, insurer said main driver should be based on mileage rather than frequency.
But they didn't seem particularly bothered. Neither of us will commute in it.
My insurer Churchill swapped my existing policy to the Alfa for £21, and even waived the admin fee, which was jolly nice of them
They've been very good all round to be honest. The only down side is my wife's xs is now up to £450, though I can hardly blame them.
Ian
But they didn't seem particularly bothered. Neither of us will commute in it.
My insurer Churchill swapped my existing policy to the Alfa for £21, and even waived the admin fee, which was jolly nice of them
They've been very good all round to be honest. The only down side is my wife's xs is now up to £450, though I can hardly blame them.
Ian
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