The letter pointed out sections in the policy that OK'd it
Fronting
- Thread starter platypus
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The letter pointed out sections in the policy that OK'd it
Associate
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Who are you insured with. If what you're saying is true I think I need a word with them, then I can afford to run 'round in a E46 M3 brought entirely on finance innit blud
Who are you insured with. If what you're saying is true I think I need a word with them, then I can afford to run 'round in a E46 M3 brought entirely on finance innit blud
Admittedly, this was with direct line, but 6 years ago on my mothers Corsa 1.2 SXi
Fronting is where the registered keeper (i.e. the V5 log book for the car) says Person A. But the car is insured with a main driver of Person B, with Person A as a named driver.
The insurer will spot it a mile away the moment you try to make a claim.
It doesn't matter what insurers say pre-sales. Fact is, during a claim they will use every little nugget to wriggle out of paying out. Or at least reducing the pay out.
The insurer will spot it a mile away the moment you try to make a claim.
It doesn't matter what insurers say pre-sales. Fact is, during a claim they will use every little nugget to wriggle out of paying out. Or at least reducing the pay out.
So if say the parent is the registered keeper of the vehicle and the main name on the insurance, with the kid as named driver, but the kid drives the vehicle the majority of the time. It would be almost impossible for an insurance company not to pay out on an accident on the basis of fronting.
Unless they suspect something and start asking neighbours who usually drives the car (which they will do if its enough money)
insurance companies want to know who was driving at the time of the accident. Lieing can be very easily spotted as usually your 17 year old son cant pass for his 35 + year old parents
When the car is insured and registered to somebody old enough to be the parents of the named driver driving at the time of the accident, questions will be asked as its such a common problem.
They can and will investigate to find out who drives it most by contacting pther people etc..
Funny thread, on the one hand there appears to be a majority with the opinion that Fronter's rights to anonimity should be respected, when on the other hand if a Fronter ever started a thread in Motors to say he'd lost everything due to this insurance dodging paying out due to his fronting activities, he would be pointed at and ridiculed like there was no tomorrow.
huh ?
threads on here are usually "hey guys, i've been fronting my insurance to make it even cheaper. Isnt that great ? what do you guys think of the amazing savings i've made"
They invite our oppinions by posting. No doubt a % of people on here will front, but just not post about it, so they dont get an ear bashing.
Its very different to going out of your way to report them to the insurance fraud bureau.
I tried fronting once. The Insurance company told my Dad that he could not insure the BMW and have me as a named driver because it would be illegal incase I was ever found to be the main driver.
He asked them what would happen if his son was the policy holder/main driver, and he was found to be the main driver - they said there was no issue :/
He asked them what would happen if his son was the policy holder/main driver, and he was found to be the main driver - they said there was no issue :/
That would be because there is no benefit to you doing this; the insurance company would be making money by taking a premium that protects against a risk that is not as great.
Soldato
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Tell you what... wait until they have an accident WITH YOU.
That's exactly how my wifes car is insured. V5 has my name on it, insurance policy is in my name but my wife is specified as the main driver. To date every insurance company I've been with have said that this is OK.
EDIT: I also have a policy on my car, with me as the owner and main driver and wife as a named driver, wonder if this makes a diff? to the above.
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What difference? YOU will still get paid anyway.
It's probably fine in your case. It becomes a problem for insurers when the fronted car is like riced-up Saxo VTS or something with trick alloys and/or the age difference between the Main and Named driver is large.
probably
seriously what is wrong with everyone on here shall i tell shall i tell get on with your lifes ffs