Is this fronting?
Discussion
The wife has bought a car which will be registered in her name. I don't currently have a vehicle.
She has 0 years no claims, I have 8 years.
She will be driving the car to work and back and I will do all the main driving when we're together.
She'll use it each day but I'll probably end up doing more miles.
We planned to register the insurance in my name - to make use of my 8 years no claims - with both of us as named drivers but after reading about 'fronting', I'm not so sure about this.
She currently has zero no claims - perfect opportunity for her to build them up BUT I don't have a vehicle and my no claims are due to expire within the next 12 months.
The prices are:
£430 with me as the policy holder and main driver with her being named.
£630 with me as the policy holder and her as the main driver with me being named.
£660 with her as the policy holder and main driver with me being named.
How would you go about insuring this?
Obviously we're not trying to dodge paying the correct premium for insurance but I'm just unsure how you would decide who needs to be the policy holder and who needs to be the named driver.
The difference is only £200 here or £30 if we put her as the main driver, but on something like an M4 or RS3 (which is next) that gap opens up to near on £1000 between me having 8 years and me having 0 years. So I'd prefer to keep my no claims active as much as possible.
Perhaps asking if it is fronting is the wrong term, but how would you go about this?
Edited to make clearer and add figures.
She has 0 years no claims, I have 8 years.
She will be driving the car to work and back and I will do all the main driving when we're together.
She'll use it each day but I'll probably end up doing more miles.
We planned to register the insurance in my name - to make use of my 8 years no claims - with both of us as named drivers but after reading about 'fronting', I'm not so sure about this.
She currently has zero no claims - perfect opportunity for her to build them up BUT I don't have a vehicle and my no claims are due to expire within the next 12 months.
The prices are:
£430 with me as the policy holder and main driver with her being named.
£630 with me as the policy holder and her as the main driver with me being named.
£660 with her as the policy holder and main driver with me being named.
How would you go about insuring this?
Obviously we're not trying to dodge paying the correct premium for insurance but I'm just unsure how you would decide who needs to be the policy holder and who needs to be the named driver.
The difference is only £200 here or £30 if we put her as the main driver, but on something like an M4 or RS3 (which is next) that gap opens up to near on £1000 between me having 8 years and me having 0 years. So I'd prefer to keep my no claims active as much as possible.
Perhaps asking if it is fronting is the wrong term, but how would you go about this?
Edited to make clearer and add figures.
Edited by ashleyman on Monday 11th March 21:16
No, it's not fronting. Insurers don't give two hoots about husbands and wives insuring the other's car. Or maximising bonus between them. Unless you are 55 and she is 17.
My wife has never had car insurance or been the registered keeper of a car, although she's had cars for 30 years. Because when we bought her her first one for her use, I had a spare max ncb going. So I insured it.
My wife has never had car insurance or been the registered keeper of a car, although she's had cars for 30 years. Because when we bought her her first one for her use, I had a spare max ncb going. So I insured it.
Some insurers can be funny about the registered keeper must be the policy holder. IIRC it does come up in the standard assumptions list that accompanies quotes, where this applies (as I said does depend on insurer).
Also, some Insurers will allow all named drivers on the policy to build or maintain NCB, irrespective of whether they are the Policyholder.
Why don’t you discuss the options with the insurer and your reasons..I.e. your wish not lose your 8 years..
Also, some Insurers will allow all named drivers on the policy to build or maintain NCB, irrespective of whether they are the Policyholder.
Why don’t you discuss the options with the insurer and your reasons..I.e. your wish not lose your 8 years..
t when it comes to husbands and wives.ManicMunky said:
If you have to ask....
It means it is unclear and I'd like some advice.Mandat said:
Why not just register the car in your name and have the wife as a named driver on your policy? This would avoid any doubt whether you are fronting or not.
We've already sent off the registration forms in preparation of collection on Friday. This was supposed to be her car. It's only temporary that I will be using it whilst I don't have something of my own to use. If it wasn't for my no claims expiring soon, I wouldn't even be asking - it would all be in her name with me as a named driver.
mph999 said:
The driver who commutes is considered the main driver. If both commute, no issue. However, if only your wife commutes it should be in her name.
Yeah, she's going to be commuting (2,300 miles per year) and I'll be driving when we go out together and to visit family (one round trip to Cornwall to see her folks is easily 600 miles) so likely I'll end up actually driving it more than she will.Superleg48 said:
Some insurers can be funny about the registered keeper must be the policy holder. IIRC it does come up in the standard assumptions list that accompanies quotes, where this applies (as I said does depend on insurer).
Also, some Insurers will allow all named drivers on the policy to build or maintain NCB, irrespective of whether they are the Policyholder.
Why don’t you discuss the options with the insurer and your reasons..I.e. your wish not lose your 8 years..
I've done a comparison online and it's probably worth a call to a few of those who have quoted to see what they suggest. We just don't want to get it wrong and end up with a cancelled policy etc...Also, some Insurers will allow all named drivers on the policy to build or maintain NCB, irrespective of whether they are the Policyholder.
Why don’t you discuss the options with the insurer and your reasons..I.e. your wish not lose your 8 years..
anonymous said:
[redacted]
How?Insurers ask for the main driver - person who drives it the most.
Is this in terms of miles driven or in terms of time spent in the car?
She is commuting doing 2300 miles per year. But my mileage in this car will be higher. So I'll be driving it further, she'll be using it more frequent. So who uses it more?
I don't care about the price. I'm asking to preserve my no claims for my next vehicle. The only reason I added the price is to show there is a substantial difference between the policies being in different names.
There is no intent to deceive here. As I've said before, we want to get it RIGHT and I don't want to lose my no claims.
ps: it's you're
I would explain the situation honestly to the insurance company (calls may be monitored for quality and training purposes), and let them say how it should be. Once they have made their decision, the extra £200 odd, if needed, would be worth it for clarity.
If you have to ask....ask them.
If you have to ask....ask them.
Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff