Thinking about fronting? read this first....

Jono8 said:
hm, Also, why didnt BMW tell him in the first place that the insurance was void...as in, when he took it out.

If the problem is the fact that he took the finance out in his name from BMW and has his dad as the registered keeper and insurance holder then why wasnt it flagged up when he tool the policy out.
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And this is my view on the situation, why didn't BMW notice these facts, thats going to be his strongest position in court.
 
Why do people continue to think they can get away with this sort of thing and there is nothing the insurers could do to catch them? All they have to do is ask neighbours or work colleagues, for example...
 
scott212 said:
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.
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The insurance company will care who drives the car the most. If the main driver of the car has never been the person insured as the main driver of the car, then the insurance was obtained on a falsehood.

If insurance fraud is prevalent then I agree that is a bad thing.
Sadly it only comes to light when someone wants to claim.
 
I've not fronted and will never need to. It's called living within your means. However, when I moved 5 miles away from my parents, my insurance doubled wish just about every company out there, even on the crappy 206. I ended up leaving the address as my parents for a while until I could take on that insurance burden. Not acceptable when you're 21/22 and having to pay £2k on a 1.4 206, but then neither is insurance fraud.

I know better now, and everything is legit. It's just silly that going from BB7 to BB6 can cost so much.
 
Dolph said:
Why do people continue to think they can get away with this sort of thing and there is nothing the insurers could do to catch them? All they have to do is ask neighbours or work colleagues, for example...
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I don't know about you but if some one came up to my front door asking about one of my neighbours driving habits I would tell him where to shove it and so would all my neighbours.

Where an earth do you live where your neighbours snitch on you to strangers who knock on the front door?
 
hurfdurf said:
I don't know about you but if some one came up to my front door asking about one of my neighbours driving habits I would tell him where to shove it and so would all my neighbours.

Where an earth do you live where your neighbours snitch on you to strangers who knock on the front door?
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Not all of us have the fortune of living where they even know their neighbours, let alone trust them to be dishonest so you can own a BMW. I can quite believe you will easily be outed by someone. It only takes one person. Not many people will be comfortable with lying so they won't give conflicting evidence, they will just say "I don't know, not seen them, etc." If just one person says "The young lad is always driving it", game over. Would you trust your neighbours THAT much? (assuming you live in a fairly standard populated area and not in the middle of nowhere).
 
Why didn't he just deny he was the main driver? It seems he just owned up when questioned, which, when doing this is a weird thing to do. It's up to the insurance company to prove you aren't the main driver, which is ridiculously hard to do. Openly admitting it online wasn't the best move either.
 
Joshy said:
The main driver should be the person who drives the car the most, not who's name is on the V5C or Finance. It's disgusting.
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I think he is fronting and the insurer has a good argument.

He has admitted himself that his Dad is not working. I expect this means that the guy drives the car daily to and from work and his Dad uses the car occasionally.

*edit*

Upon further reading it looks like his Dad also has his own car.

Not looking good.
 
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I wanted a MK2 Golf GTI for my first car. Unfortunately despite having the budget for the car, insurance quotes were coming over the value of the car. I ended up with a MK5 1.3 Escort for two years and waited to get a couple of years NCB behind me. The guy does not deserve what's happened to him but hopefully a valuable lesson to those who read his experience of fronting.

I hope he gets a better outcome mind as it seems particularly harsh as his car was stolen not crash by him.
 
Had I done this, my insurance would be 1/2 what it is now and my life would be a little easier. 100% certain that no one in the area would have said anything.

Went on my own though for no claims.
 
I know insurers look for anything to get out of a pay-out. But how can main drivers and fronting come into this when it was stolen? Not as if he crashed it and shouldn't have been in the car at the time...
 
I get around said:
If insurance wasn't so ridiculously expensive i'm sure many people wouldn't front. It took me days to find an insurance quote I could pay.
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Blame fraudsters for the costs.

I do not work in insurance, nor am I backing them up but the facts are, they have all made losses in the last 5 years.

How old is that guy? How much does he earn?

Sounds to me that he is probably mid-twenties, living at home with his old man and spunking all his wages on a car he cannot afford.

Why was he selling it? Probably because he realised he had made a monumental error. He would have still owed loads of money on the finance after it had been sold.

His story does not stack up. Very easy to say someone stole the car with the keys.........
 
PapaLazaru said:
Blame fraudsters for the costs.

I do not work in insurance, nor am I backing them up but the facts are, they have all made losses in the last 5 years.

How old is that guy? How much does he earn?

Sounds to me that he is probably mid-twenties, living at home with his old man and spunking all his wages on a car he cannot afford.

Why was he selling it? Probably because he realised he had made a monumental error. He would have still owed loads of money on the finance after it had been sold.

His story does not stack up. Very easy to say someone stole the car with the keys.........
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How are fraudsters to blame for high insurance? That's nonsense.
 
Should I be concerned about this because this is exactly how the wife and I have our car setup.

  • I bought the car on finance as I had a better credit score and got a better rate.
  • The car is registered on the v5 in her name
  • She is the main driver and am a named driver
  • She drives it everyday to work, I get to drive on the weekends

Would this cause an issue if we had to claim? I essentially pay for the car and dive it occasionally but I don't have my own insurance for it.
 
skippi90 said:
How are fraudsters to blame for high insurance? That's nonsense.
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Because they cost the industry millions on false claims that are uneconomical to fight. Not just the actual claim, but the bills that come on for 'like-for-like' replacement vehicles at inflated prices. Not to mention the false injury claims flooding in.

Trust me, I am aware of the industry and these costs have to be passed onto the consumer or the insurance industry would fold. Like I said, they have ALL made losses in the last few years and I know that as it was part of an FSA test I took recently.
 
Why is insurance very reasonably priced then? They should surely jack up the premiums. I do not believe for one moment that "they" are operating at a loss.
 
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