I'm sure the fear of getting found out for fronting is massively greater than the actual possiblity of getting found out for fronting.
Fronting
- Thread starter platypus
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I'm sure the fear of getting found out for fronting is massively greater than the actual possiblity of getting found out for fronting.
Insurance Ombudsmen says they reject over a thousand claims a year
http://news.bbc.co.uk/1/hi/programmes/inside_money/7053307.stm
If the statistics are correct, the number of under 21 year olds insured on their parents insurance who have their claims approved is indeed much higher.
Do you want to run the risk though ?
Yes and how many of those 1000 claims have been rejected because of the person fronting being an idiot and letting the cat out of the bag compared to genuine insurance investigation work.
I'm not saying fronting is right, I'm just questioning all the people who declare they will be found out if/when an accident claim is made. Clearly that is an incorrect statement.
I've never fronted personally but then my first insurance premium cost £600 fully comp back in the day.
I'm not saying fronting is right, I'm just questioning all the people who declare they will be found out if/when an accident claim is made. Clearly that is an incorrect statement.
I've never fronted personally but then my first insurance premium cost £600 fully comp back in the day.
i suspect only the high value ones
its not worth spending time and money investigating a claim for a new wing and a respray for a few hundread £
bin your car spectacularly, write it and a few others cars off, and it will become worth their while.
its not worth spending time and money investigating a claim for a new wing and a respray for a few hundread £
bin your car spectacularly, write it and a few others cars off, and it will become worth their while.
Soldato
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OK. I'd be concerned about being hit by an uninsured driver though.
Soldato
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I doubt the Police would do much as it would take a long, complicated process to prove.
The idiots will probably get caught themselves, just hope they don't hit anybodies car before the realised they are not insured.
The idiots will probably get caught themselves, just hope they don't hit anybodies car before the realised they are not insured.
It is far better to be hit by a "technically uninsured" driver than it is being hit by a driver who just didn't bother to take a policy out...
Soldato
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One of my brother's friends was Fronting his BMW Mini, when he finally spun it and crashed backwards through a wall he decided to claim on his insurance. The insurer called his dad, one of the questions they asked was "When did you last drive the car?" His reply was "I've never driven the car." Needless to say the claim was unsuccessful.
Another method they can use to tell is that the car is kept where the young driver lives, not where the "main" driver lives.
Another method they can use to tell is that the car is kept where the young driver lives, not where the "main" driver lives.
Soldato
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Most will live at home though surely? Unless they're at Uni I suppose.
Reinforcing my earlier point that its not great investigation work by the insurance company, just the persons fronting letting the cat out of the bag.
If the dad had said yesterday and my son only drives it once every six months they would have paid out.
Re the Direct Line comments from the last page. Direct Line seem to outright encourage fronting with their whole thing about allowing named drivers to earn NCB.
It's pretty clever really because when the named driver is more experienced and lower risk they then can "go legit" but that NCB is only valid with Direct Line, thus they get the business.
In the meantime, their payouts are reduced where fronting happens because when they can prove it, they only have to pay the 3rd party costs.
It's pretty clever really because when the named driver is more experienced and lower risk they then can "go legit" but that NCB is only valid with Direct Line, thus they get the business.
In the meantime, their payouts are reduced where fronting happens because when they can prove it, they only have to pay the 3rd party costs.
They don't encourage it at all, i've been working for the company that underwrites their motor insurance policies since the end of march and the amount of policies i've seen where they've been barred from renewing or taking out policies with us in future due to "Fronted Risk" is a lot higher than i'd expected it to be.
They don't like it at all.
And the person a page or so back who mentioned them having their partner or spouse on their car as the main driver we don't class as fronting, it's perfectly acceptable, we give a discount for naming a partner on your policy and even let you give them your NCD if you wish.
Soldato
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Another similar one, is when the car registered at home, but then it gets stolen from little Jonny's gaf at Uni. That'll prompt some searching questions.
But again not the final nail in the coffin proving fronting has taken place.
My insurance policy just asks where the vehicle will be kept over night the majority of the time. So that will be 183 days a year then.
They dont need final nails in coffins, they just need enough of an excuse, then suddenly its on your toes and a battle via the ombudsman.
I'm sure if insurance companies were actually refusing payouts for any old reason as regularly as people claim it would be a bigger news story than MP expenses.
I'm guessing the majority of claims get paid out, including the majority of claim made by people fronting.
I'm guessing the majority of claims get paid out, including the majority of claim made by people fronting.
Of course not, people can argue the toss over almost anything.
But the fact is it will make claiming more difficult. Far more difficult than it needs to be. A claim that could (if everything is in perfect order) last just a month, from start to end, could be dragged out over months or even years.
what you mean like
http://news.bbc.co.uk/1/hi/business/10241769.stm
http://news.bbc.co.uk/1/hi/programmes/moneybox/7052569.stm
http://news.bbc.co.uk/1/hi/programmes/inside_money/7053307.stm
http://news.bbc.co.uk/1/hi/programmes/working_lunch/7282236.stm
http://www.dailymail.co.uk/money/article-1188495/Dont-childs-car-insurance-cover.html
http://www.dailymail.co.uk/news/art...insurance-fronting-scam-new-figures-show.html
It gets plenty of press.
it doesnt get a shock "expenses scandal" reaction because its crime. You a re comitting fraud by lieing to the insurance company. Theres nothing to be outraged at.
How do insurers actually prove fronting? I mean if I say my Mum drives the car everday more than me, then they have to prove that that's not the case? For the record, I own 2 cars of my own and both are insured in my name so I'm speaking hypothetically here. Just interested.