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what car is that, it does sound loads!
Insurance Fronting - Named Drivers On Your Own Policy
- Thread starter Kingy
- Start date
what car is that, it does sound loads!
Associate
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Mazda RX8. I was 18 years old back then & first car, no NCB.
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Soldato
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£1000 excess 
rather you than me.
When I first drove, for the first 4 years I was a named driver on a policy taken out by my dad. He owned the car, and it was mine to drive, but i was the only person who used it day to day. I made a claim, and they didn't bat an eyelid.
I now insure my own car, on my own policy, as my 4 years experience and being 21 allows me to do it at a good price, this is helped by having my parents on the policy. They do occasionally need to drive it as well though.
I agree that fronting isn't the best thing to do, but if your sensible I doubt anything will come of it. And as for adding people to your policy that don't exist, thats a bit silly, just get a relative or firend with a clean license on there instead.
rather you than me. When I first drove, for the first 4 years I was a named driver on a policy taken out by my dad. He owned the car, and it was mine to drive, but i was the only person who used it day to day. I made a claim, and they didn't bat an eyelid.
I now insure my own car, on my own policy, as my 4 years experience and being 21 allows me to do it at a good price, this is helped by having my parents on the policy. They do occasionally need to drive it as well though.
I agree that fronting isn't the best thing to do, but if your sensible I doubt anything will come of it. And as for adding people to your policy that don't exist, thats a bit silly, just get a relative or firend with a clean license on there instead.
Soldato
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I think adding someone who doesn't exist is dodgy. How about adding a low risk family member. Besides, it might be handy for someone else to be able to drive your car for instance of you're taken ill.
It's called Gaining Pecuniary Advantage by Deception, and it's a crime. Yes, the odds of you getting caught are slim, but the consequences are severe.
M
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Fronting itself isn't against many insurers policy's, when I was 17 I was recommended to do it by 3 different company's, there is a high horse brigade on here who like to tell you that it is completely illigal full stop and no one should ever ever do it, these are the same people who argue that a 1.2 liter car is dangerous on the motorway 
I don't think what the OP is suggesting is just fronting though, that's giving false details with no loophole what so ever.
I don't think what the OP is suggesting is just fronting though, that's giving false details with no loophole what so ever.
I expect 'police' as a profession has a very high rate of claim. I read once that 'firefighter' was the occupation with the highest rate of claim on motor insurance.
Unfortunately, insurance companies aren't the dumbass's we wish they were. If, for instance, a policy is taken out with a father as a main driver and son is named driver, and the father has another car with similar power/size etc (so as to not to be a second "economical" car) and a claim was made, the claim's investigator would see this immediately and get suspicious. They would then do a bit more digging (and even hire P.I.'s), by asking neighbours, asking work colleagues, looking in details at all the car's documentation. And if they had evidence you were fronting, they would stop the claim.
However, i think this would only usually happens with large losses, because sometimes it'd cost the insurance company more to investigate if the person is fronting, instead of just just paying out. It's always worth a second thought though - if your crashed you awesome car and the insurance wouldn't pay out because you tried to save £200, would it be worth it?
Actually being a police officer is one of the best jobs to have, in that job sector, if you want lower premiums. But the difference between the cheapest insurance and highest insurance jobs, in a given sector, is usually only about £100
This would be very very difficult to prove, and if challenged would very rarely end up in the insurers favour.
You're right, it'd take a lot of time and effort to prove. But you better believe an insurance company would do it to get out of paying ten's of thousands of pounds.
It rarely happens - only about 1000 cases out of however many hundreds of thousands claims made every year, but it's sod's law that it'd happen to you.
I expect its even more rare than most people think. Hiring a PI, interviewing neighbours and finding nothing would mean just more money down the pan, doing it all, and then finding things out, only for a court to say that its not sufficient would also be throwing good money after bad.
Interesting. I was doing quotes with 2 police officers on and it was around 45% cheaper rather than I being the only driver.
Soldato
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Little hijack, i've got my mum down as a named driver but she only has an automatic license. It was ok when my car was an auto but my new car is a manual and they asked if i wanted to keep her as a named driver and i said yes, totally forgetting about her license, its down in their records she has an auto only license, she'll never drive it as she can't drive stick for her life but would that cause me grief if i had a claim? I might remove her anyhow next renewal as she dosen't really make a difference to my premium.