Thinking about fronting? read this first....

thepharcyde · 11 Feb 2010 at 19:34

You're just heartless.

I would have little sympathy if he had crashed it due to his own error and there was 100% proof that he was infact fronting. But some **** has nicked it off the drive. That has little bearing on the payout cost versus the extra premium on the insurance in the grand scheme of things when the insurance co rape him for market value below what's owed on finance. He would prob still be in negative equity as he owes £30k inclusive of the interest due.

thepharcyde · 11 Feb 2010 at 19:39

hmmm, he was interested in getting rid by all accounts. Arranged disappearence anyone?

http://www.e90post.com/forums/showthread.php?t=324574

He does seem to indicate he was upto his neck

http://www.e90post.com/forums/showthread.php?t=301842

His advert, I would assume he was contacted via his mobile. Can the Police not trace calls made to his phone?

http://209.85.229.132/search?q=cach...ble&cd=2&hl=en&ct=clnk&gl=uk&client=firefox-a

Settleddown · 11 Feb 2010 at 20:20

Do BMW not secure the finance on the car? How can he sell if it will still have outstanding finance on the car?

thepharcyde · 11 Feb 2010 at 20:23

Settleddown said:
Do BMW not secure the finance on the car? How can he sell if it will still have outstanding finance on the car?

He would have to pay the difference between what it would have sold for and what is outstanding on the finance.

Pudney · 11 Feb 2010 at 20:34

Yateszy said:
Thats pretty impressive tbh, but I just want a normal hatchback car thats good on fuel and reliable, not a classic old mini. How you can't get a similar cost on a normal car is a joke. How does driving a mini instead of a corsa for example mean your £1000 less likely to crash? Even if I did front I would have paid more than you so how am I in the wrong?

How long do you intend fronting for? Without NCB (which you won't get fronting) you won't see a massive price drop til about 25. My first insurance was at 21 after uni when I did actually become the primary driver of a car. It was about a grand for a 10 year old crappy Pug 309 diesel tank that was worth around the same as the insurance itself.

Add your parents as named driver to get NCB, it's the only way to get your costs down quickly and will be better for you in the long run.

Hxc · 11 Feb 2010 at 20:39

Update for all you young drivers... got my quote with bell down to £624 fully comp for next year. I might run a few quotes through on "normal" cars to see what I'd be paying with those.

My accident makes only £4 of difference.. what the hell? I was expecting a big couple of hundred quid bump for being a statistic who crashed in his first year driving.

mufc802 · 11 Feb 2010 at 20:56

Pudney@work said:
How long do you intend fronting for? Without NCB (which you won't get fronting) you won't see a massive price drop til about 25. My first insurance was at 21 after uni when I did actually become the primary driver of a car. It was about a grand for a 10 year old crappy Pug 309 diesel tank that was worth around the same as the insurance itself.

Add your parents as named driver to get NCB, it's the only way to get your costs down quickly and will be better for you in the long run.

I don't intend on fronting, I'm just ranting about insurance, and suggesting things to lower my insurance. I will have to do it the proper way when it comes down to it.

Even with a NCB, it wont be below £1000 unless your over 25 true.

Pudney · 11 Feb 2010 at 20:59

No, it will be less than a grand well before 25, but you need NCB. I've only ever paid more than a grand once.

cheets64 · 11 Feb 2010 at 21:00

Sigh, Insurance is high for a reason for young drivers, easier to make everyone pay high insurance at that age, plus it makes some of them think about how much its costing them and the privileged it is to drive sensibly on the roads.

Fronting is just another crime that the country would be better if it never existed but it does and I have no sympathy for people that do it and get stung.

[TW]Fox · 11 Feb 2010 at 21:10

Yateszy said:
Even with a NCB, it wont be below £1000 unless your over 25 true.

Mine was under £1000 at 22 on a Group 17 car.

Kenai · 11 Feb 2010 at 21:12

Yateszy said:
Even with a NCB, it wont be below £1000 unless your over 25 true.

I can insure a variety of cars, at 22 as a new driver, for sub £1000 with 0NCB

Hxc · 11 Feb 2010 at 21:16

I can insure an MX5 for under £1300 too. Unfortunately can't get quotes on much more powerful due to not being 21

Jono8 · 11 Feb 2010 at 22:29

Got insured on my Celica for £880 (ish). 22, No NCB and my first policy in my name. Not too bad.

Looking forward to when i'm over 25. then it might actually make sense to get something actually quite fast.

Bennie-Mac · 11 Feb 2010 at 23:14

Yateszy said:
Even with a NCB, it wont be below £1000 unless your over 25 true.

My second year of insurance was £999.75 with 1 years ncb at 18.

Current insurance is £415 fully comp on a group 12 car and im 23

Sam · 11 Feb 2010 at 23:18

Ive never fronted and ive had lots of nice cars. Ive never had a problem with insurance

18 - Racing Puma - £1000
20 - clio trophy - £1000
21 - VX220 Turbo - £900
22 - Subaru impreza STI PPP - £1080

Seeeeeeen

Cyanide · 11 Feb 2010 at 23:52

Yateszy said:
Even with a NCB, it wont be below £1000 unless your over 25 true.

I've been driving since I was 17 and I've never paid more than £700 for insurance, and that includes a brand new car and my current group 17 car.

beermonster · 12 Feb 2010 at 00:21

He lives at home has 4 years to pay it off, not really a my life is over situation tbh.

antijoke · 12 Feb 2010 at 11:15

thepharcyde said:
hmmm, he was interested in getting rid by all accounts. Arranged disappearence anyone?

http://www.e90post.com/forums/showthread.php?t=324574

He does seem to indicate he was upto his neck

http://www.e90post.com/forums/showthread.php?t=301842

His advert, I would assume he was contacted via his mobile. Can the Police not trace calls made to his phone?

http://209.85.229.132/search?q=cach...ble&cd=2&hl=en&ct=clnk&gl=uk&client=firefox-a

Some very interesting points to pick out on those links. He states 'drives like a dream' except it appears to have a squeaky noise....

Seems like he got stung big time, I wouldn't put it past it being a sham to be honest to get him out of a sticky situation, I mean come on, the guy pushes him to the ground and she stays on the ground long enough for the crim to get in the car, start the car and drive off without him having any opportunity to stop him.

Settleddown · 12 Feb 2010 at 11:43

anticonscience said:
Some very interesting points to pick out on those links. He states 'drives like a dream' except it appears to have a squeaky noise....

Seems like he got stung big time, I wouldn't put it past it being a sham to be honest to get him out of a sticky situation, I mean come on, the guy pushes him to the ground and she stays on the ground long enough for the crim to get in the car, start the car and drive off without him having any opportunity to stop him.

The initial shock I bet, its hard to know how anybody would react to something like this, yes its easy to say sitting here on our computers but until you are in a situation like this you cannot say how anybody will react etc.

antijoke · 12 Feb 2010 at 11:58

It all seems a little fishy, he asks about BMW buying cars back, it's on finance which an HPI would show so potential buyers would be a little wary of said car, then all of a sudden along comes a buyer who snatches the keys from him and makes off with the car.