Very, I read that as he or his brother has had a fault accident and his mother has had to pay out? But she's still letting him on the policy rather than getting his own?
I dunno.Insurance fraud is great!
Insurance - money situation -
- Thread starter Belloni
- Start date
Very, I read that as he or his brother has had a fault accident and his mother has had to pay out? But she's still letting him on the policy rather than getting his own?
I dunno.Insurance fraud is great!
I fronted my policies until it was more cost efficient to have them under my own name. I'd recommend everybody do the same. Use a larger insurer so the chance of anyone caring/noticing is minimised. Generate lots of quotes for various periods of fronting i.e. 1 year, 2 years, 3 years etc. and compare to having your own policy and building NCB, and find the crossover point in favour of fronting (in favour as gaining NCB isn't a dead cert).
Insurance fraud is so common it's practically a normal part of life. It's like speeding.
The penalising was probably the increased insurance premium caused by having someone young on the policy rather than being found guilty of fronting.
Insurance fraud is so common it's practically a normal part of life. It's like speeding.
Last edited:
expect fire!
Nice the rest of the forum subsidised PMK's premium for a few years.
Insuring a car in parents name and correctly declaring the main driver is perfectly legal, whereas insuring car in parents name and BS'ing about who the main driver might be is illegal.
Insuring a car in parents name and correctly declaring the main driver is perfectly legal, whereas insuring car in parents name and BS'ing about who the main driver might be is illegal.
First shot. Incendiary round incoming.
I did similar tbh for my first 2 (or was it 3) years. Fiesta 1.1 mk2 (oo-er!) bought by my dad, him as main driver, I drove it only when back from Uni. He hardly did. Once I moved over to my own policy it was arranged that I essentially inherited his NCB too. (Much negociation...doubt that would happen in the UK, or indeed here in these times)
Last edited:
Yup, you probably all did a nice little bit of subsidising! Cheers for that! Wouldn't have managed the first year of 330 insurance without it - 0 NCB, Grp 17, aged 19 and a fault claim wasn't cheap.
What can I say, I'll do what I can to pay as little as possible. The rest of the country/world were taking advantage and I felt it would have been silly of me not to. My conscience can figure it right.
What can I say, I'll do what I can to pay as little as possible. The rest of the country/world were taking advantage and I felt it would have been silly of me not to. My conscience can figure it right.
Soldato
- Joined
- 4 Aug 2007
- Posts
- 22,433
- Location
- Wilds of suffolk
Used to work at a big ins co, knew the claims people the legal people and some of the underwriters, oh and the people in the department who specifically went after people who had an accident who were detected as uninsured.
I saw £500 bills for catching a £30 Sky Insurance fraud, do NOT assume that because it seems under the radar it will be.
If anything triggers an Ins co to suspect fraud they may look at it, forget the costs. They will use people to do things such as for example asking your neightbours about you, the guy over the street, "who drives the car".
I saw people who had thought to save a few hundred quid by insuring as an extra driver rather than the main driver who ended up having an accident, and eventually being decide were not insured as they lied on a material point. Check the policy wording it will say something like "policy will become void" then suddenly your uninsured. You can end up having the Ins co pay out and then come after you VIA THE COURTS for money. I saw 17 year olds who owed over a hundred thousand to the Ins co. It happens and its really not worth the risk.
Fronting isnt per se illegal, is misrepresentation and hence the INs co are within their rights to void the contract. What then happens is you are driving without insurance, now thats illegal.
Under these circumstances the RTA forces the Ins co to remedy the situation as if you were insured but then they will be after you.
I saw £500 bills for catching a £30 Sky Insurance fraud, do NOT assume that because it seems under the radar it will be.
If anything triggers an Ins co to suspect fraud they may look at it, forget the costs. They will use people to do things such as for example asking your neightbours about you, the guy over the street, "who drives the car".
I saw people who had thought to save a few hundred quid by insuring as an extra driver rather than the main driver who ended up having an accident, and eventually being decide were not insured as they lied on a material point. Check the policy wording it will say something like "policy will become void" then suddenly your uninsured. You can end up having the Ins co pay out and then come after you VIA THE COURTS for money. I saw 17 year olds who owed over a hundred thousand to the Ins co. It happens and its really not worth the risk.
Fronting isnt per se illegal, is misrepresentation and hence the INs co are within their rights to void the contract. What then happens is you are driving without insurance, now thats illegal.
Under these circumstances the RTA forces the Ins co to remedy the situation as if you were insured but then they will be after you.
My best friend's dad is an ex-police investigator who now works for insurance companies, so I happen to have a good idea of how they go about proving these sorts of things, with random visits, observations, questions to neighbours etc.
However, I suspect the forces of the insurance company would not be able to out-maneuver me in the event of a claim they began investigating.
However, I suspect the forces of the insurance company would not be able to out-maneuver me in the event of a claim they began investigating.
On a £500 car? The excess will be more than that :/
Soldato
- Joined
- 4 Aug 2007
- Posts
- 22,433
- Location
- Wilds of suffolk
You may have a good chance in that case. Thats not 99.99% of the population though.
But for example who pays the insurance bill, the MOT test fee, the fuel bills etc etc
They cannot force this information but they can reasobaly ask if they suspect the "owner main driver" is not, then they are not the main driver probably. If they suspect and ask for some proof and you go "no way sod off" they will try even harder.
TBH I don't understand and no one has ever really given me a decent explanation why if your willing to lie to get insurance know that the one time you will really need it your likely to found out, even bother to get it.
Yes small ding on road your unlikely to be caught, but big major incident then your much more likely to be caught and thats exactly when you do need the insurance.
if you killed/maimed a coach load of people they would very definitely find the resources to out maneuver you, landing you with a few million quid to pay off for the rest of your life.
fronting always seems like a great idea until it all goes horribly wrong, I hope it does for each and every person that is stupid/skintflint enough to do it
Of course not - because you're super stealth!
You'd be extremely surprised how they would go about proving things.
All they need to be able to do is stop a claim of say £2000.
That £2000 pays for a lot of man hours to try and solve the crime.
To your first points, insurance bill was paid by the policy holder, MOT was paid by the policy holder, tax by the policy holder, servicing and maintenance by the policy holder, fuel by whoever was driving it at the time (only receipts kept were those paid for by the policy holder, but for a totally different reason), registered keeper was the policy holder.
To your second point, the chances of getting caught with slightly suspect insurance credentials is far far lower than getting caught without insurance. I have had my insured status checked by the police half a dozen times, and probably checked without my knowing (via ANPR) a multitude more. Nobody has ever validated the finer details of that insurance policy, even when there's been claims.
I know exactly how they go about proving things - as I mentioned earlier, my best friend's father is an investigator for insurance companies, specifically suspected fraudulent claims. There would not be enough evidence to suggest I was the main driver. That £2000 also pays for surprisingly less time than you think
I'm not so sure. All the resources in the world wouldn't be able to find evidence that doesn't exist outside of the minds of a few people. Anything they would be able to uncover would be purely circumstantial i.e. "yeah Sam drives that car more than he used to". That would be about it. Not enough for a conviction when everything else points to it not being my car.if you killed/maimed a coach load of people they would very definitely find the resources to out maneuver you, landing you with a few million quid to pay off for the rest of your life.
fronting always seems like a great idea until it all goes horribly wrong, I hope it does for each and every person that is stupid/skintflint enough to do it
Also, if you did become liable for £1,000,000, couldn't you just declare bankruptcy?
![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
court fines are bankruptcy exempt
so the few quid you save now will hopefully haunt you for the rest of your life
I find people who openly defraud the insurance industry and think they can get away with it, stupid, ignorant and massively short sighted. also admitting things on a public forum with so many details about yourself readily available is also rather short sighted, fraud cases don't only cover current policies
To be fair, if it was a bit easier to get a cheap, simple car insured at 17/18/19 then there wouldn't be as much fronting.
The model that these insurance companies use to calculate premiums is an utter joke.
I'm not condoning fronting in any way mind, but I have a certain amount of sympathy for those who do.
The model that these insurance companies use to calculate premiums is an utter joke.
I'm not condoning fronting in any way mind, but I have a certain amount of sympathy for those who do.
insurance is no more expensive now than it was when I was 17-19, I paid my money and just took it on the chin, why should todays youth be any different?
I have zero sympathy, if you cant afford to insure your car then don't drive it, end of
Is it a court fine if you are paying the insurance company?court fines are bankruptcy exempt
so the few quid you save now will hopefully haunt you for the rest of your life
I find people who openly defraud the insurance industry and think they can get away with it, stupid, ignorant and massively short sighted. also admitting things on a public forum with so many details about yourself readily available is also rather short sighted, fraud cases don't only cover current policies
No, I'm not haunted by it, in the slightest.
I think the risk of a court case being started over expired insurance policies that were never claimed against because some dude said he fronted them on the Internet is somewhere between no chance and fat chance.