Thinking about fronting? read this first....

Joshy said:
Why are people still convinced that this serves as an example not to front? From what I've read, it is a technicality in BMW Insurance's terms and condition (foolishly) stating that the finance holder should be down as the main driver. Fronting has sweet bugger all to do with this, and even then there is absoultely ZERO proof, other than of course what people want to assume.
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Look back at his post history. It's constatly referred to as his car and what he's going to do with it, even airport parking for it whilst he's on holiday. That, the bling after market alloys and the fact he was paying for it makes it look very much like it was his own car.

Imo they've just used the finance issue to show who the main driver/owner was. The finance holder is unlikely to need to be the main driver, but insurers ask who is the owner and registered keeper and it's likely they gave false info on this.
 
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A bit offtopic, but I thought why if you add your parent as a named driver it should reduce your insurance cost? Surely the car will be driven even more so even more risk?

I can see the only way to reduce the cost is to say your parent is the main driver. Hell, if it knocks £500+ off the insurance then why not?

I heard direct line let you do this and still get a NCB. I might be wrong, but what other way is there to reduce the £2000 cost of insurance?
 
Yateszy said:
A bit offtopic, but I thought why if you add your parent as a named driver it should reduce your insurance cost? Surely the car will be driven even more so even more risk?
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Because you cant drive it whilst the more experienced driver is driving it, thus reduced risk.
 
[TW]Fox;15943029 said:
Because you cant drive it whilst the more experienced driver is driving it, thus reduced risk.
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You could however drive it just as much + they also drive when you wouldn't so more risk, unless having it parked up is more risky than having an experienced driver driving it?
 
Yateszy said:
Because clothes cost the same for everyone, so I don't feel like I'm being taken advantage of because of my age.
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It's because you pose a much higher risk of causing them to pay out! It's not just rumour that young drivers have more crashes, it's statistical fact. What do you want them to do, individually test each and every driver and then assess how much they should be charging them? There is no viable alternative to what insurance companies currently do.

You and scott212 should start an insurance company and offer "fair" rates to people. Wonder how quickly you'd go bust... :p
 
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Hxc said:
It's because you pose a much higher risk of causing them to pay out! It's not just rumour that young drivers have more crashes, it's statistical fact. What do you want them to do, individually test each and every driver and then assess how much they should be charging them? There is no viable alternative to what insurance companies currently do.

You and scott212 should start an insurance company and offer "fair" rates to people. Wonder how quickly you'd go bust... :p
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As your a young driver yourself, how do you feel about paying £2000 for insurance? If you pay less than that then please lend some tips of how you get it cheaper.:D
 
I payed £1800 to insure a 1.2 clio the first year just to stop problems like this, I can never really see the arguement for fronted insurance tbh because once you've got that 1yrs ncb under your belt (assuming you get it) the quotes over halved for me. So i'm not entirely convinced it saves you money in the long run. I wouldn't have had the car I have at 20 without stomaching the first premium and getting the ncb racked up.
 
Yateszy said:
As your a young driver yourself, how do you feel about paying £2000 for insurance? If you pay less than that then please lend some tips of how you get it cheaper.:D
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I bought an old rusty mini which classifies as a classic. I paid £650TPFT in my own name when I was 17, and with a fault claim for about £1k to my name my quote from non classic insurers for next year are at £700 fully comp, hopefully less when I contact some classic companies.
 
Hxc said:
I bought an old rusty mini which classifies as a classic. I paid £650TPFT in my own name when I was 17, and with a fault claim for about £1k to my name my quote from non classic insurers for next year are at £700 fully comp, hopefully less when I contact some classic companies.
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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?
 
So let me get this right (or massively wrong as I didn't do more than spot read stuff!).

He has a £25K car, maybe financed, but decided he didn't/couldn't afford the insurance so stuck it in his dads name. Car gets robbed, which is annoying of course, but now insurance won't pay out because it's clear he ignored the T&C's he signed up to....and now we should all feel sorry for him because, well, it's expensive when youre young?

Help me here, am I missing owt?
 
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