Thinking about fronting? read this first....

No, but the insurance company will have refused the risk and therefore not covered the car in the first place had they known the main driver was his age.
 
[TW]Fox;15936309 said:
His car was insured in his Dads name...?
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From what the thread says to me;


Has bought a BMW on finance from BMW and took out insurance from BMW, on putting the vehicle as the registered keeper to his dad he has voided his insurance as it looks as he has broken his terms it seems.

This doesn’t happen with other insurance companies, the issue isn’t about fronting here.
 
Jokester said:
Of course the counter arguement is also, isn't isn't it fraud to get finance in your own name for someone else to buy a car?
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Of course not. Why would it be?

Honestly, if he was fronting, and I very much think he was - tough, he made a hideous mistake trying to rip off the insurance company and now he's paying for it.
 
Mr Jack said:
Of course not. Why would it be?

Honestly, if he was fronting, and I very much think he was - tough, he made a hideous mistake trying to rip off the insurance company and now he's paying for it.
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He's entering into a credit agreement so that someone else can buy the car, remember the car is now in his dads name. As he said, his dad wouldn't be able to get finance for the car.
 
I find it difficult to understand why a retired 58 year old (You don't retire at 58 without a penny to your name) wouldnt be able to get finance on a car.
 
I haven't read all the thread but I don't see him having much joy with the ombudsman, they will be supporting insurers to clamp down on fronting also.
 
Hatter The Mad said:
The fact that he owns the car, has it financed in his name but someone else is insured as the main driver suggests otherwise.
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'Main driver' does not equal the bloke whos bank account gets raided each month for payments, nor does it equal the bloke with his name on the V5C, or even the bloke who 'owns' it. It equals the guy who uses the car the most.
 
Hatter The Mad said:
The fact that he owns the car, has it financed in his name but someone else is insured as the main driver suggests otherwise.
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The main driver on the insurance has no relation to who own he car, or who is the registered keeper. It's about who drives it the most.

The guy just has a legal battle facing him that he will probably loose, insurance companies will use any method the avoid paying out.

However: If they really do drive the car the same amount - which I doubt - then he should have put the insurance in his name, just to avoid a close up inspection of who the main driver really is. Might as well have had third party insurance.
 
BigglesPiP said:
The main driver on the insurance has no relation to who own he car, or who is the registered keeper. It's about who drives it the most.
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Most insurers require the policyholder to be the registered keeper.

Why is it whenever we have an insurance thread people fall over themselves to spout misguided opinion as fact? :p
 
I wish the insurance companies would do more to crack down on it. I'm going to court with some pri** who was fronting because his car was his 'mum' on paper and may lose despite the accident being his fault.
 
scott212 said:
I wish the insurance companies would do more to crack down on it. I'm going to court with some pri** who was fronting because his car was his 'mum' on paper and may lose despite the accident being his fault.
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The outcome and effect on you is utterly unrelated to his insurance status.
 
scott212 said:
I wish the insurance companies would do more to crack down on it. I'm going to court with some pri** who was fronting because his car was his 'mum' on paper and may lose despite the accident being his fault.
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I might be wrong, but if they lowered the cost for young drivers then we wouldn't be having the "fronting" problem in the first place. But I wont bother going into that..:p

I can see where your coming from, and why fronting is bad, but tbh if your dad does drive more than yourself as a named driver, then I don't think thats fronting.
 
[TW]Fox;15936517 said:
Most insurers require the policyholder to be the registered keeper.

Why is it whenever we have an insurance thread people fall over themselves to spout misguided opinion as fact? :p
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Blimey, you are grumpy today.

Every time I've bought insurance I've been asked if I - the policy holder - am the registered keeper. Don't you think that if the OP on the other forum's insurer required the policyholder to be the registered keeper, they would have voided his insurance on those grounds instead of going down the road of who they think the main driver is?
 
Yateszy said:
I might be wrong, but if they lowered the cost for young drivers then we wouldn't be having the "fronting" problem in the first place. But I wont bother going into that..:p

I can see where your coming from, and why fronting is bad, but tbh if your dad does drive more than yourself as a named driver, then I don't think thats fronting.
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Who cares who drives the most, fronting is a technique designed to reduce the cost of insurance. It is prevalent, it's not uncommon for many 17 year olds to be driving around in their 'parent's' car.
 
Strange that he didn't finance it in his dad's name.. 58 and retired doesn't necessarily mean he's got no chance of getting credit. Who knows, maybe he's got adverse history or something.

Feel sorry for that guy but not properly insuring a financed BMW... or any financed car... asking for it really.
 
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