Not completely true.
She may be using the same provider for both policies, who have mirrored her no claims on the new policy from the existing policy.
Insured my car for trhe first time yesterday, may have a problem already.
- Thread starter James07
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Not completely true.
She may be using the same provider for both policies, who have mirrored her no claims on the new policy from the existing policy.
Welcome to the real world...
PS: I thought insurers can only reject a claim for fronting if it is one of the named drivers which owns the car rather than the main driver. Is that not the case then?
Nah - it doesn't really matter who the official owner of the vehicle is.
As we all know insurance company's hate paying out.
So if they suspect fronting - Young driver named rather than main driver then they will happily investigate.
Investigation costs are quite minimal and if it means they don't have to pay out then they are "quids in".
Do any do this? I was with Prudential and they certainly wouldnt let me do it when I wanted to insure a 2nd car. Had to take my 2nd policy with 0ncb
It definitely depends on the insurance company, when i was at Toyota Insurance we could in most cases mirror the bonus across if they brought another car to us and bought a 2nd policy.
So basically, just about every insurer will investigate crashes where the "main driver" is 40+ and the "named driver" is less than 21 and it was the named driver that crashed?
If that's the case, why allow named drivers when they're below a certain age?
I suspect it's not quite as clear cut as people make out here TBH.
![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
No, it depends on the circumstances. If Mr 17 year old has a huge expensive smash in his Dads 1998 Ford Fiesta and they then realise hang on, his Dad has a 1998 Ford Fiesta and a 2007 Mercedes CLS, whats going on here... it'll trigger an investigation.
Oh crap..
Right, may need to get that changed.
I wont be driving my own car as much as my mum will be driving a car less nice then her ownPromise.
Fronting altert
Directline did it for me and my parents.
I had 2 years no claims, which I was taking away from Directline to use on my company car insurance because it worked out to be a better saving using the no claims on the company car, then I rang Directline back and asked them to quote me with zero no claims on my second car and the agent noted the previous no claims and actually gave me 2 years no claims again on my new policy.
And
My dad had 6 years no claims with Directline. He rang them up and asked them to quote my mum (who had only just passed) and they mirrored the 6 years no claims on her policy.
6 years no claims ZERO driving experience
They made about a dozen calls to Directline before taking the policy out just to confirm the quote was right, even went as far as speaking to a manager.
And don't think that insurers don't cross-reference or check old records because they do.
When I was asked by Admiral if I had any points in the last 5 years, I said no. This was incorrect, I'd had 6 points 4 years and 11 months ago. They cross-referenced my new quote with my driving record from my old Bell policy. This is often done on an inter-company basis too.
When I was asked by Admiral if I had any points in the last 5 years, I said no. This was incorrect, I'd had 6 points 4 years and 11 months ago. They cross-referenced my new quote with my driving record from my old Bell policy. This is often done on an inter-company basis too.
Soldato
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Bell, Admiral and Elephant are all the same company (Admiral Group), so that makes sense. But I'm sure they do check all info with other insurers.
Never been facinated by fronting, and I'm not sure why other people are either. Can they only see infront of their nose?
When I first started driving my dad offered to put me as a named driver on his insurance, but I could see a few years in to the future and what sort of cars I could insure reasonably. So I refused and now I'm in a great situation.
With my next policy in May I'll have 4 years experience and 4 NCB and I can afford to insure pretty much any car that takes my fancy. Surely that's worth paying out/waiting for?
When I first started driving my dad offered to put me as a named driver on his insurance, but I could see a few years in to the future and what sort of cars I could insure reasonably. So I refused and now I'm in a great situation.
With my next policy in May I'll have 4 years experience and 4 NCB and I can afford to insure pretty much any car that takes my fancy. Surely that's worth paying out/waiting for?
Sacked off the idea of a comera for now, paid 300 deposit with a company who have promised to beat any quote i told them, which they did after a manager approved, all insured in my name with my money and im the only driver.
NCB 1 here we come
NCB 1 here we come