Thinking about fronting? read this first....
- Thread starter Dr House
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Reading most of the thread it does seem a little fishy, but what would be gain by getting it stolen? Won’t he only get the value back what the car is worth and a load more extra hassle with the police and insurance just like he is doing? You would think it would be much much easier just to sell it than pull a scam like this??
![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
Soldato
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He listed his car on PH's the day previous at £28k
http://209.85.229.132/search?q=cach...ED+PATEL+pistonheads&cd=4&hl=en&ct=clnk&gl=uk,
Then very next day it was reduced to £26.5k, who does this?
http://209.85.229.132/search?q=cach...ED+PATEL+pistonheads&cd=4&hl=en&ct=clnk&gl=uk,
Then very next day it was reduced to £26.5k, who does this?
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Someone in deep doggy doo. Someone who then may decide that getting it 'stolen' is the only other alternative.
4 years when i had the suabru ... this was through bell
how do insurance companys manage to prove that you use the car more than your parent
seems to me like it would be pretty hard for them to do. still got my own policy mind
the guy was probably fronting but surely its up for the insurance company to proof it ? which seems pretty hard to me ? unless its in his terms and conditions that the main driver must be the one who financed it ? in which case hes a fool
seems to me like it would be pretty hard for them to do. still got my own policy mind
the guy was probably fronting but surely its up for the insurance company to proof it ? which seems pretty hard to me ? unless its in his terms and conditions that the main driver must be the one who financed it ? in which case hes a fool
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They will send somebody round to where you live and knock on neighbours doors and ask them.
How did you manage that then?
I'm assuming 0NCB and experience of <1 year, when I was 18 my Mum was paying more than that for me and her on a 1.4 Escort, and she was in her 50's.
As for the thread, given the recent evidence it does look like he's tried to arrange someone to steal it and it's backfired. If that's the case, then good riddance.
As for fronting itself - i've never done it but i'd have no qualms about doing it. I won't ever have to though, at 25 it's reasonable to insure a car myself.
Not really, the previous forum threads he's posted and the fact he took the finance out in his own name makes it perhaps appear utterly obvious to an insurer that its his car insured in Daddies name.
Really?
I'm not disputing that insurance companies do send investigators around to people's work places and neighbourhood (I've heard it done before) but it isn't exactly concrete proof? For example my mother and I are considering sharing a car. She works part time locally (within walking distance) so she doesn't need a car most days, unless she is going on a course or is running some errands. I drive to work on average about 3 times a week, so ask my work place about my usage? "Yeah, Josh drives in most days". Ask the neighbours? "I see the young man in that car most of the time". Case closed, I'm fronting because I'm seen to use the car the most, right? No. I work a whopping 4 miles away each way, that's an amazing 24 miles that I'd rack up each week. My mother can topple this figure easily on a day of her 'running a few errands'. She'd probably use the car most of the time on weekends as well, and that's not even account for the trips she'd do to see her mother 250 miles away, each way, 3-4 times a year.
Surely the main driver should be the person who actually racks up the most miles in the car. Asking "Who do you see in it the most" doesn't even remotely answer how many miles each driver does".
Soldato
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Yes, they do. They also have surveillance officers.Really?
I recall when I insured my first car – a 1.6 CVH Ford Orion, I paid £1,000 for the car and TPFT was £1,200, it didn’t bother me that I was paying more to insure than what I paid for the car, I accepted the high insurance as I was a new driver!
I had years before passing of hearing about the costs and simply prepared myself for those costs – I still do even now; when I passed my motorcycle test and got my first bike, and later my first litre bike – the cost of insurance was always in my forethought and I planned those costs ahead.
It’s shocking the ‘me me me’ attitude that young drivers seem to have now – they WANT a car, but don’t want to pay all the costs of owning one, which I would imagine is one of the reasons so many young drivers, and those older ones who haven’t dropped this attitude, drive without insurance – or lawful insurance in this case.
Frankly, if you’re planning on getting a car, use your damn brain and work out every cost – sure insurance is high, but it comes as part of the package, if you cannot afford it now, put your dreams on hold for a bit and save some more money!
I had years before passing of hearing about the costs and simply prepared myself for those costs – I still do even now; when I passed my motorcycle test and got my first bike, and later my first litre bike – the cost of insurance was always in my forethought and I planned those costs ahead.
It’s shocking the ‘me me me’ attitude that young drivers seem to have now – they WANT a car, but don’t want to pay all the costs of owning one, which I would imagine is one of the reasons so many young drivers, and those older ones who haven’t dropped this attitude, drive without insurance – or lawful insurance in this case.
Frankly, if you’re planning on getting a car, use your damn brain and work out every cost – sure insurance is high, but it comes as part of the package, if you cannot afford it now, put your dreams on hold for a bit and save some more money!
Now I’ve had a chance to read the thread and look back at the guy’s posts, it looks to me like he was fronting – it’s tough on the guy, and I really feel for him having to pay back 30K for something he no longer owns, and was lost in horrible circumstances, but he’s reaping what he sowed…
As Fox mentioned about his previous posts, I took a look-see and it seems fairly clear that the car was his, he’s always referring to it was ‘my car’ for example, he mentions about modifying it and from that Pistonheads ad it looks like a young lad’s car – unless his old man is having a late-life crisis! All circumstantial I accept, but there’s just so many things pointing to it being a fronted policy and I think he knew where that thread was going, hence never posting back.
I’m glad this sort of thing is being clamped down on, maybe it may help some people lose the attitude – more likely though, more will drive uninsured; I remember friends saying that it was cheaper to pay the fines than it was to buy insurance; but at least the Police have powers to seize uninsured vehicles now (incidentally that’s some of the funniest TV, watching a scrote lose their car an not understand why
)
As Fox mentioned about his previous posts, I took a look-see and it seems fairly clear that the car was his, he’s always referring to it was ‘my car’ for example, he mentions about modifying it and from that Pistonheads ad it looks like a young lad’s car – unless his old man is having a late-life crisis! All circumstantial I accept, but there’s just so many things pointing to it being a fronted policy and I think he knew where that thread was going, hence never posting back.
I’m glad this sort of thing is being clamped down on, maybe it may help some people lose the attitude – more likely though, more will drive uninsured; I remember friends saying that it was cheaper to pay the fines than it was to buy insurance; but at least the Police have powers to seize uninsured vehicles now (incidentally that’s some of the funniest TV, watching a scrote lose their car an not understand why
)[TW]Fox;15953839 said:
I just don't appreciate being lumped in with all the chavs and idiots that frequent the roads where I live.
I don't drive everywhere bouncing off the limiter, showing off my crappy Nova with an exhaust, or crashing into anything that dares get in my way.
It depends on the situation. If you crash on the commute to your 5 day a week job and you have no other means of getting there, it's pretty obvious you're going to be the main driver
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Really?
I'm not disputing that insurance companies do send investigators around to people's work places and neighbourhood (I've heard it done before) but it isn't exactly concrete proof? For example my mother and I are considering sharing a car. She works part time locally (within walking distance) so she doesn't need a car most days, unless she is going on a course or is running some errands. I drive to work on average about 3 times a week, so ask my work place about my usage? "Yeah, Josh drives in most days". Ask the neighbours? "I see the young man in that car most of the time". Case closed, I'm fronting because I'm seen to use the car the most, right? No. I work a whopping 4 miles away each way, that's an amazing 24 miles that I'd rack up each week. My mother can topple this figure easily on a day of her 'running a few errands'. She'd probably use the car most of the time on weekends as well, and that's not even account for the trips she'd do to see her mother 250 miles away, each way, 3-4 times a year.
Surely the main driver should be the person who actually racks up the most miles in the car. Asking "Who do you see in it the most" doesn't even remotely answer how many miles each driver does".
Every post in motors you always pick up on mine? Are you some sort of internet stalker?
Every post in motors you always pick up on mine? Are you some sort of internet stalker?
Yes.