Insurance minefield and "Fronting"
Discussion
After trying to get a reasonable quote for my second daughter on a Ford Ka the cheapest I could get without it doubling in price when she passes her test was a whopping £1700 which is double what I paid 18 months ago for my first daughter.
How prices have risen in that time and thank christ I have not got sons!! but my other question is how many teenagers are getting away with being named drivers on cars owned by their parents "fronting"so when involved in an accident insurance companies do not pay up.
Whilst I do not condone this and will not be going down that route you can see why young people and parents do this to get cheaper insurance.
This is now being classed as the same as being uninsured and can carry heavy penalties.How times have changed there is no chance of getting them on the housing ladder nevermind behind the wheel of a car.
How prices have risen in that time and thank christ I have not got sons!! but my other question is how many teenagers are getting away with being named drivers on cars owned by their parents "fronting"so when involved in an accident insurance companies do not pay up.
Whilst I do not condone this and will not be going down that route you can see why young people and parents do this to get cheaper insurance.
This is now being classed as the same as being uninsured and can carry heavy penalties.How times have changed there is no chance of getting them on the housing ladder nevermind behind the wheel of a car.
No this is her owning the car and only her to drive did exactly the same 18 months ago with first daughter and same insurance company and car.
Insurance company have been very helpful even pointing out that on those comparison websites a lot of quotes double in price if you change from provisional to a full licence as my daughter managed to get a quote of £668 which went up to over £2000 when she passes her test.
Insurance company have been very helpful even pointing out that on those comparison websites a lot of quotes double in price if you change from provisional to a full licence as my daughter managed to get a quote of £668 which went up to over £2000 when she passes her test.
Mr E Driver said:
My car insurance was cheaper when I added a friend (who will probably never drive it) as named driver so if you put other adults on your daughters as named drivers it may bring the cost down a bit.
This.Also, a few sites give very different quotes to what they do on comparison sites, Co-op being a massive difference I found.
The other thing is that people like Direct Line allow everyone on a policy to build up No Claims Discount. Perhaps you could add her as a second driver to your car for a year. She builds up NCD and, in a year's time, gets the car. At that point you can be a second driver on her car if it helps...
Buses for now, maybe?
Buses for now, maybe?
Insurance has gone up quite a bit in the last 12 months, some people have been very shocked when getting their renewals through.
On one of my cars the automated renewal quote came through about £1,100 more than I paid the previous year. No accidents, no points or convitions, another years NCB
I got it down to £200 less than the previous year with some negotiation in the end.
On one of my cars the automated renewal quote came through about £1,100 more than I paid the previous year. No accidents, no points or convitions, another years NCB
I got it down to £200 less than the previous year with some negotiation in the end.
I'd like to know how old most of the people who get all sanctimonious about "fronting" actually are.
I passed my test in 1985 and *all* of my mates back home and later at Uni did it - it was the norm. Nobody raised an eyebrow. Nobody had problems with claims. I didn't get my own policy til I got a job in September 1991.
I passed my test in 1985 and *all* of my mates back home and later at Uni did it - it was the norm. Nobody raised an eyebrow. Nobody had problems with claims. I didn't get my own policy til I got a job in September 1991.
Dog Star said:
I'd like to know how old most of the people who get all sanctimonious about "fronting" actually are.
I passed my test in 1985 and *all* of my mates back home and later at Uni did it - it was the norm. Nobody raised an eyebrow. Nobody had problems with claims. I didn't get my own policy til I got a job in September 1991.
I'm 22 and I can't stand people who do it. Not only is there the fact that they're uninsured if they hit me, but it also feels like they were cheating. I had to pay for my own insurance at ridiculous rates, and I'm jealous of the way they don't, allowing them to have nicer cars at a younger age.I passed my test in 1985 and *all* of my mates back home and later at Uni did it - it was the norm. Nobody raised an eyebrow. Nobody had problems with claims. I didn't get my own policy til I got a job in September 1991.
Dog Star said:
I'd like to know how old most of the people who get all sanctimonious about "fronting" actually are.
I passed my test in 1985 and *all* of my mates back home and later at Uni did it - it was the norm. Nobody raised an eyebrow. Nobody had problems with claims. I didn't get my own policy til I got a job in September 1991.
Drink driving used to be the norm. Now it is unacceptable.I passed my test in 1985 and *all* of my mates back home and later at Uni did it - it was the norm. Nobody raised an eyebrow. Nobody had problems with claims. I didn't get my own policy til I got a job in September 1991.
Fronting is the mark of scum.
Don said:
The other thing is that people like Direct Line allow everyone on a policy to build up No Claims Discount. Perhaps you could add her as a second driver to your car for a year. She builds up NCD and, in a year's time, gets the car. At that point you can be a second driver on her car if it helps...
Buses for now, maybe?
Do remember though that its classed as a "named driver ncb" and usually can then only be used with the insurer that policy is with.Buses for now, maybe?
Taita said:
Dog Star said:
I'd like to know how old most of the people who get all sanctimonious about "fronting" actually are.
I passed my test in 1985 and *all* of my mates back home and later at Uni did it - it was the norm. Nobody raised an eyebrow. Nobody had problems with claims. I didn't get my own policy til I got a job in September 1991.
Drink driving used to be the norm. Now it is unacceptable.I passed my test in 1985 and *all* of my mates back home and later at Uni did it - it was the norm. Nobody raised an eyebrow. Nobody had problems with claims. I didn't get my own policy til I got a job in September 1991.
Fronting is the mark of scum.
Dog Star said:
I'd like to know how old most of the people who get all sanctimonious about "fronting" actually are.
I passed my test in 1985 and *all* of my mates back home and later at Uni did it - it was the norm. Nobody raised an eyebrow. Nobody had problems with claims. I didn't get my own policy til I got a job in September 1991.
Im with you on that all my friends also did the same. I also had to make a claim and didnt have any problems. I passed my test in 1985 and *all* of my mates back home and later at Uni did it - it was the norm. Nobody raised an eyebrow. Nobody had problems with claims. I didn't get my own policy til I got a job in September 1991.
However this was a while ago and a lot of things have changed. I wouldnt go along that route anymore only if it was a 50/50 shared car.
Dog Star said:
I'd like to know how old most of the people who get all sanctimonious about "fronting" actually are.
I passed my test in 1985 and *all* of my mates back home and later at Uni did it - it was the norm. Nobody raised an eyebrow. Nobody had problems with claims. I didn't get my own policy til I got a job in September 1991.
I passed my test in 1989 and insurance has been in my name since . . . . . . . . . was left in absolutlety no doubt by my mothers husband that it wouldnt be going in their names!I passed my test in 1985 and *all* of my mates back home and later at Uni did it - it was the norm. Nobody raised an eyebrow. Nobody had problems with claims. I didn't get my own policy til I got a job in September 1991.
There's a member on here who was apparently fronting in his fathers name, who was rather upset that when he was stopped for speeding the day he passed his test, the local paper reported that he was driving his fathers car . . . . . . . . no doubt as he'd been telling everybody it was his
The line is pretty simple, in the case of a shared car, the insurance should be in the name of the person who uses that car the most.
so lad in mums Subaru is ok if he doesnt use it very often, doesnt go to work / college every day in it etc. but girl in VW who uses car all the time, goes to work / college in it etc, yet the car's insurance is in her parents name is fronting.
It can be hard to prove that somebody is fronting, but if suspected the insurance company will investigate it. In the case of an engineer who used to work for me, he was using a Nissan 100nx, insured in his dads name, but with all the toys you'd expect a tastless 20 something to glue to it . . . . . . . . car was destroyed and ins company wrote to me asking what car he normally drove to work in . . . . . . . case closed and claim refused
so lad in mums Subaru is ok if he doesnt use it very often, doesnt go to work / college every day in it etc. but girl in VW who uses car all the time, goes to work / college in it etc, yet the car's insurance is in her parents name is fronting.
It can be hard to prove that somebody is fronting, but if suspected the insurance company will investigate it. In the case of an engineer who used to work for me, he was using a Nissan 100nx, insured in his dads name, but with all the toys you'd expect a tastless 20 something to glue to it . . . . . . . . car was destroyed and ins company wrote to me asking what car he normally drove to work in . . . . . . . case closed and claim refused
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