Insurance question? (fronting)

[roryfizz]

Hi all

I was wondering, next year i plan to take one of my families cars to university with me (year 2010-2011). The insurance for this car is in my 21 year old sisters name and she has had it with her at univeristy this current year 2009-2010. Both of my parents are named drivers on the policy. It will only be me driving during term time, but over the holidays (including summer) my sister is likley to be the main user. Quite complicated eh!!

Would this count as fronting?

Many thanks

[Soovy]

roryfizz said:

Hi all

I was wondering, next year i plan to take one of my families cars to university with me (year 2010-2011). The insurance for this car is in my 21 year old sisters name and she has had it with her at univeristy this current year 2009-2010. Both of my parents are named drivers on the policy. It will only be me driving during term time, but over the holidays (including summer) my sister is likley to be the main user. Quite complicated eh!!

Would this count as fronting?

Many thanks

If you're taking it with you, you will be the main driver.

[Ozzie Osmond]

... and don't forget to tell the insurer the actual address where the car will be kept as well.

[AndrewW-G]

Depends on the policy

If it’s a normal policy and your sister is named on the policy as the main driver, then yes this is fronting

If it is a collective policy where all family cars are covered for any driver (Chubb, AON and a few others do them) then no.

I would suggest that it is most likely the former rather than the latter and you should get a policy in your own name

[McSam]

Always worth being careful with this one, but I'd expect it to be in terms of whoever does the majority of the car's miles over a year, isn't it? If you do 2k miles during a year's worth of term time, but your sister racks up 6k over the holidays, surely she's the main driver irrespective of who spends the most time with the car?

Or would you be expected to change the driver details each time the car moves away/home?

Edited by McSam on Tuesday 8th June 12:45

[roryfizz]

McSam said:

Always worth being careful with this one, but I'd expect it to be in terms of whoever does the majority of the car's miles over a year, isn't it? If you do 2k miles during a year's worth of term time, but your sister racks up 6k over the holidays, surely she's the main driver irrespective of who spends the most time with the car?

Or would you be expected to change the driver details each time the car moves away/home?

Edited by McSam on Tuesday 8th June 12:45

This was what i was kind of getting at, because over the term im basically going to be going to the shops once a week and driving to uni at the beginning of term and then driving at home at the end of term. whereas over the summer my sister is more likley to use this car for longer journeys as i have access to another car when im back home?! Seems a bit rediculous that i would need to change the circumstances everytime the car moves away!

Edited by roryfizz on Tuesday 8th June 12:50

[Shaw Tarse]

But Shirley you need to let insurance co know where the vehicle is kept?

[HereBeMonsters]

I changed my address three times in one year when I was at Uni - and my car twice!

Parents' address - Halls - Parents' Address - Shared House

Primera - Midget - 205

Insurance company loved charging me £30 each time for each change.

[Flintstone]

What if you lived in a camper van then? How would you give the insurance company your address? The registration number?


Just asking.

[roryfizz]

Well thanks for all the advice and experience, i'll definatly make myself the main driver and just to be safe will change the address at the beginning of the first term and at the end of the last. I cannot belive that it would be necessary to change it for 2-3 weeks holiday at Christmas and Easter?!

Cheers

[Soovy]

Flintstone said:

What if you lived in a camper van then? How would you give the insurance company your address? The registration number?


Just asking.

You wouldn't be able to, so you wouldn't get insurance.

A specialist company might offer it, but only a specialist.

[HereBeMonsters]

Soovy said:

Flintstone said:

What if you lived in a camper van then? How would you give the insurance company your address? The registration number?


Just asking.

You wouldn't be able to, so you wouldn't get insurance.

A specialist company might offer it, but only a specialist.

My Grandmother's Brother and his Wife (does that make them my Grand-cousins? Great Aunt and Uncle? I have no idea.) live in a Winnebago thing. They sold their house a couple of years ago, and are living on the proceeds, motoring all over Europe and the UK.
They have their van registered to their Son's address and insurance is there, although it is insured for European use, something like 50k miles a year. They said it was a hassle getting it sorted, but eventually persuaded their insurer to cover them.

[Soovy]

HereBeMonsters said:

Soovy said:

Flintstone said:

What if you lived in a camper van then? How would you give the insurance company your address? The registration number?


Just asking.

You wouldn't be able to, so you wouldn't get insurance.

A specialist company might offer it, but only a specialist.

My Grandmother's Brother and his Wife (does that make them my Grand-cousins? Great Aunt and Uncle? I have no idea.) live in a Winnebago thing. They sold their house a couple of years ago, and are living on the proceeds, motoring all over Europe and the UK.
They have their van registered to their Son's address and insurance is there, although it is insured for European use, something like 50k miles a year. They said it was a hassle getting it sorted, but eventually persuaded their insurer to cover them.

Aye that would be right, but in this case there is an address which can be used for correspondence and credit checks.