Would you report a "fronter"?
Discussion
Hi all
Bit of a quandary here. I'm torn between a colleague and a principle.
I was asked this morning to give some advice to a young sales guy in our office. He is 22 years old, fresh faced out of unit last year and is a hard working, underpaid but generally motivated guy who is nice and helpful ALL the time.
He came to me today to ask my advice on an accident. He has been hit in the rear in "his" 1.2 Punto. It's worth 2/5th's of f
k all and he thinks it's a write off. So, he was asking me about my experiences of getting the most out of the insurance company. I went into great detail about how they need to put him back in the position he was pre-accident, etc etc
Then he dropped the bomb....
"what happens if my dad is the owner & policy holder"
So, a long conversation ensued in which it turns out his dad owns the punto and insures it with him and his brother as named drivers. Dad is down as the primary driver, as the insurance is cheaper (of course)!
He has told the assessor he was borrowing the car this week as he needed to be in the office earlier than public transport could take him there.
I know who his insurer is and I know the vehicle reg number as its on our car parking rota.
Question is, what would you do? I'm tempted to stay well out of it as he is a nice guy trying to earn a crust. But this practice boils my piss.
Bit of a quandary here. I'm torn between a colleague and a principle.
I was asked this morning to give some advice to a young sales guy in our office. He is 22 years old, fresh faced out of unit last year and is a hard working, underpaid but generally motivated guy who is nice and helpful ALL the time.
He came to me today to ask my advice on an accident. He has been hit in the rear in "his" 1.2 Punto. It's worth 2/5th's of f
k all and he thinks it's a write off. So, he was asking me about my experiences of getting the most out of the insurance company. I went into great detail about how they need to put him back in the position he was pre-accident, etc etcThen he dropped the bomb....
"what happens if my dad is the owner & policy holder"
So, a long conversation ensued in which it turns out his dad owns the punto and insures it with him and his brother as named drivers. Dad is down as the primary driver, as the insurance is cheaper (of course)!
He has told the assessor he was borrowing the car this week as he needed to be in the office earlier than public transport could take him there.
I know who his insurer is and I know the vehicle reg number as its on our car parking rota.
Question is, what would you do? I'm tempted to stay well out of it as he is a nice guy trying to earn a crust. But this practice boils my piss.
Why?
If his dad is willing to help his son in this way then how does it affect you?
Yes it may not be strictly legal but there are far worse crimes out there and far worse things that are legal IMO.
If his dad is willing to risk his no claims for his son then good on him - it's not as if he is a or a spoilt brat in a Ferrari at 18, he's hard working and underpaid as you put it so give him a break.
At least he isn't claiming whiplash!
If his dad is willing to help his son in this way then how does it affect you?
Yes it may not be strictly legal but there are far worse crimes out there and far worse things that are legal IMO.
If his dad is willing to risk his no claims for his son then good on him - it's not as if he is a
or a spoilt brat in a Ferrari at 18, he's hard working and underpaid as you put it so give him a break.At least he isn't claiming whiplash!
Stay out of it. I know the PH eagles will strike me down for that, but if he's a genuinely (and indeed generally) honest, hard working lad, let him get on with it. I'm sure every one of us has made a mistake before, and hopefully this will maybe jog him a little bit to ensure he is all above board (just to say I never fronted).
It's not as if he's a chavvy scrote who spends all day razzing his "mum's" surprisingly barried Corsa around maccy d's is it?
It's not as if he's a chavvy scrote who spends all day razzing his "mum's" surprisingly barried Corsa around maccy d's is it?
eltax91 said:
Question is, what would you do? I'm tempted to stay well out of it as he is a nice guy trying to earn a crust. But this practice boils my piss.
Think you've answered your own question, morally wrong but really fk all to do with you so pretend you never heard and move on.mercfunder said:
eltax91 said:
Question is, what would you do? I'm tempted to stay well out of it as he is a nice guy trying to earn a crust. But this practice boils my piss.
Think you've answered your own question, morally wrong but really fk all to do with you so pretend you never heard and move on.RSoovy4 said:
Why should he ben entitled to defraud the insurer - this sort of thing costs you and me money.
He needs to learn his lesson.
What boils my piss is holier-than-thou wHe needs to learn his lesson.
kers like you 
Did you mention anything to him about how that's not legal?
Do you know it was him specifically who said he was going to get his dad to insure the car? Maybe he was put in that position by a well wishing father thinking nothing more of it, other than it being cheaper than the insurance being in his name?
I don't like the practice and I knew several 'mates' who did it. None of them I know of were involved in accidents, so in theory it didn't cost anyone anything, other than the insurers the loss of a jacked up premium.
Regards to your situations, if it were me, I'd keep my nose out of it. It may involve me in the bigger picture in terms of a slight increase in premium and the feeling of injustice in a younger driver not paying the same hike I did, but at the end of the day, he's technically 'road legal' (which is better than some out there), trying to earn an income, and unfortunately had someone hit the back of him, which isn't his fault.
Do you know it was him specifically who said he was going to get his dad to insure the car? Maybe he was put in that position by a well wishing father thinking nothing more of it, other than it being cheaper than the insurance being in his name?
I don't like the practice and I knew several 'mates' who did it. None of them I know of were involved in accidents, so in theory it didn't cost anyone anything, other than the insurers the loss of a jacked up premium.
Regards to your situations, if it were me, I'd keep my nose out of it. It may involve me in the bigger picture in terms of a slight increase in premium and the feeling of injustice in a younger driver not paying the same hike I did, but at the end of the day, he's technically 'road legal' (which is better than some out there), trying to earn an income, and unfortunately had someone hit the back of him, which isn't his fault.
Even if fronting, it's a third party claim.
Admittedly the Punto is worth less than his lunch, but right now his insurer has suffered no loss and will not do so as its expenses will be met by the third party.
Fronting is wrong kids, mmmkay, and I'd have no hesitation in telling the fronter this, but I certainly wouldn't be informing on him.
Admittedly the Punto is worth less than his lunch, but right now his insurer has suffered no loss and will not do so as its expenses will be met by the third party.
Fronting is wrong kids, mmmkay, and I'd have no hesitation in telling the fronter this, but I certainly wouldn't be informing on him.
I'd say it'd be pretty stty to report him, but it might be worth a strong conversation pointing out the error of his ways, the fact he's not earning his own no-claims, and that he'd be pretty annoyed with the thought of others carrying out this when HE gets a bit older.
Similar situation here at work (apart from the accident), and I have said words to that effect. Can't force people to change their behaviour, but believe me, if the insurance company finds out, they'll be royally screwed over (and quite rightly).
tty to report him, but it might be worth a strong conversation pointing out the error of his ways, the fact he's not earning his own no-claims, and that he'd be pretty annoyed with the thought of others carrying out this when HE gets a bit older.Similar situation here at work (apart from the accident), and I have said words to that effect. Can't force people to change their behaviour, but believe me, if the insurance company finds out, they'll be royally screwed over (and quite rightly).
I'm sure you'd have a brilliant working relationship in the future if you decided to tell the insurers that he has potentially been a naughty boy, especially for the huge decrease in premium you'll immediately receive from all insurance bodies to thank you for pointing out this fraudster. As for morality, I know which option would make me sleep better at night.
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