Is this fronting?

[43034]

Is having a parent as the policy holder and myself as a named driver (but the named driver being the main driver) fronting or not?

I'm well aware of the conventional fronting and I'm not going down that route but was wondering if the above is legal, or not.

Many thanks,

43034.

[KardioKate]

That's exactly fronting. Put your parents on as secondary drivers - they often drive my car and it brought my premium down loads, but I'm still the main driver.

[kambites]

No, it's perfectly legal.

Fronting is when you lie about who will be the main driver. As long as you tell the insurance company who will drive the car most, it doesn't matter who holds the policy.

[Aizle]

kambites said:

No, it's perfectly legal.

Fronting is when you lie about who will be the main driver. As long as you tell the insurance company who will drive the car most, it doesn't matter who holds the policy.

This, not the above poster.

[43034]

Thought it was. Best to be safe though!

Got a Vauxhall Chevette 1256 down from £1800 to £500 doing it.

Might try something more mainstream now though

[TheEnd]

Aizle said:

kambites said:

No, it's perfectly legal.

Fronting is when you lie about who will be the main driver. As long as you tell the insurance company who will drive the car most, it doesn't matter who holds the policy.

This, not the above poster.

Negative-

"Is having a parent as the policy holder and myself as a named driver (but the named driver being the main driver) fronting or not? "


Policy Holder = main driver
named driver = occasional user

[otolith]

It is legal for the policyholder not to be the main driver, but it may be unhelpful in getting good insurance quotes. Some insurers don't like it and won't quote, and anything that reduces the pool of quotes is not in your interests.

[43034]

Sorry, realised i've worded it wrong but I mean declaring that the named driver is the main driver.

Some people realised what I meant though!!

Apologies.

[TheEnd]

That's OK then, as long as the insurance company know who the main drive is, it's fine.
Fronting is saying you are an occasional driver when you are the main driver.

[KardioKate]

43034 said:

Sorry, realised i've worded it wrong but I mean declaring that the named driver is the main driver.

Some people realised what I meant though!!

Apologies.

Gotcha - Took the OP to mean that you wouldn't be declared the main driver, apologies.

[43034]

43034 said:

Got a Vauxhall Chevette 1256 down from £1800 to £500 doing it.

Appears I didn't though as it deleted me as the named main driver so it was a quote for just my dear old mother.

Is anyone aware of any companies that gives you the option to declare a named driver as the main driver? Struggling to find any!!

[kambites]

43034 said:

Is anyone aware of any companies that gives you the option to declare a named driver as the main driver? Struggling to find any!!

I do it with Elephant on my wife's car, but it might be a bit different for a married couple.

[Fastra]

So does it matter who actually owns the car then?

[kambites]

Fastra said:

So does it matter who actually owns the car then?

Most insurance companies wont let you take out a policy on a car you don't own, I don't think.

[Fastra]

kambites said:

Most insurance companies wont let you take out a policy on a car you don't own, I don't think.

So would the argument be that you can't be the main driver on a car you don't own?

[kambites]

Fastra said:

So would the argument be that you can't be the main driver on a car you don't own?

No, that you can't be the policy holder on a car you don't own. You can be main driver.

[DocJock]

Direct Line let my wife (Policyholder) put our daughter down as a named driver and also the main driver.

[falkster]

Strange one really! All 5 of my cars have me as policy holder and my wife as a named driver but never have I been asked who will be the main driver. That would be a difficult one to explain too!! We both drive the two daily cars about the same each.

[Fastra]

kambites said:

No, that you can't be the policy holder on a car you don't own. You can be main driver.

ah - cheers!

[Engineer1]

falkster said:

Strange one really! All 5 of my cars have me as policy holder and my wife as a named driver but never have I been asked who will be the main driver. That would be a difficult one to explain too!! We both drive the two daily cars about the same each.

Because in a marriage they assume cars are common property, in the you grab the keys closest to hand or use the car that's cleanest, got the full tank or is best suited to the journey you are about to take, Insurers don't really care who the main driver is in that situation.