VW Golf 1.6 -- £3100 Insurance
- Thread starter support_bae
- Start date
Caporegime
Step 1) i'd consider shopping around. Don't just use comparison sites
Step 2) re consider car choice. Not all first cars will be 3k + to insure. Think out of the box and buy something a 17/18 year old wouldnt usually buy to get cheaper insurance
Step 3) see if adding your parents as named drivers on YOUR policy brings the quote down. It does for some insurers.
Step 4) do you spend half your time at uni and half your time at home or similar ? or do you spend a lot of time at your parents house as well as your own ? try both postcodes. Postcodes can play a big part in insurance prices.
Step 2) re consider car choice. Not all first cars will be 3k + to insure. Think out of the box and buy something a 17/18 year old wouldnt usually buy to get cheaper insurance
Step 3) see if adding your parents as named drivers on YOUR policy brings the quote down. It does for some insurers.
Step 4) do you spend half your time at uni and half your time at home or similar ? or do you spend a lot of time at your parents house as well as your own ? try both postcodes. Postcodes can play a big part in insurance prices.
Caporegime
I'm sure I've heard of people caught with fronted policies being slapped with a no insurance charge?
I'm pretty sure I've heard it done to people with undeclared modifications.
Could be typical daily mail scare mongering, equally it could be just the MIB protecting its vested interests in making money out of people. Wouldnt like to take the risk myself
I'm sure I've heard of people caught with fronted policies being slapped with a no insurance charge?
I'm pretty sure I've heard it done to people with undeclared modifications
No. What can happen is that the insurer will pursue the policy holder to reclaim any third party claims (which could be a very large amount of money).
I'd refuse to pay the premium and do the 'fronting' instead. You have to manipulate the system. It's still 'legal' in the sense that you're insured to drive and it would be extremely difficult for an insurer to refuse to pay out on the basis that you're 'fronting.' The cost of proving it in a legal battle would be large and not really worth it.
I'd advise all young people to do the same because the premiums are sickening. Once you've been driving for a year or so it can then be cheaper to actually register and insure the car in your own name, especially the case with Bell.
Also why such a big deal with fronting? What about the opposite? Adding my parents onto my policy HALVES it even though neither of them have stepped foot in the car for 6 months.
I'd advise all young people to do the same because the premiums are sickening. Once you've been driving for a year or so it can then be cheaper to actually register and insure the car in your own name, especially the case with Bell.
Also why such a big deal with fronting? What about the opposite? Adding my parents onto my policy HALVES it even though neither of them have stepped foot in the car for 6 months.
Soldato
Could be typical daily mail scare mongering, equally it could be just the MIB protecting its vested interests in making money out of people. Wouldnt like to take the risk myself
It'd be extremely difficult to prove though, unless the same car was stopped numerous times, at differant times with the same named driver and never with the main driver.
I suppose tecnically i front my mum's car. I drive it more than she does, but she is the owner and I have my own car too so where do you stop?
Again, i was looing around for an old estate to take tools around in and transport bits around. But the only way it would have been viable was to insure and register the logbook in my grandads name and I'd drive it on DOC. Before you all jump on me to insure this R plate Astra diesel that was for sale at £300 would have been £800. On DOC it's insured 3rd party and let's face it you'll only crash it once!
If you have any sense at all, you'd do well to completely ignore absolutely all of this
Caporegime
Well done you. Any other illegal activities you'd like to tell people to do?
Caporegime
At the end of the day, I think if you're going to front then you need to remember 3 rules:
1) Don't crash.
2) Realize what you're doing is actually illegal/dodgy (the amount of guys I know around my age who think that it is just a 'glitch' in the system is actually scary)
3) Don't discuss it on the internet
1) Don't crash.
2) Realize what you're doing is actually illegal/dodgy (the amount of guys I know around my age who think that it is just a 'glitch' in the system is actually scary)
3) Don't discuss it on the internet
Soldato
front for a year, then go onto your own policy,
swift was good for my golf 4 1.6 16v, about 1300 with my dad as main driver (because i didn't drive it much for a year, got a lift with my mum to college, dad used it for work)
now on my own policy with bell, for 1300
swift was good for my golf 4 1.6 16v, about 1300 with my dad as main driver (because i didn't drive it much for a year, got a lift with my mum to college, dad used it for work
)now on my own policy with bell, for 1300
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Soldato
You're an idiot, then. Yes, the insurer will pay out, but will sue you personally for the money. If you can't afford it, you'll go bankrupt. You'll be blacklisted by the majority of insurers. You could also be criminally prosecuted for fraud.
Because you're not defrauding the insurer - all you're doing is adding named drivers to your policy.
Did you even go to school? It is REALLY depressing that people as thick as you have made it past the age of 20. It is incredible.
Caporegime
Fronting is fraud, which is illegal
Fraud is still immoral, even if its not the same as theft.
You also leave yourself open to huge bills if you crash (which you most probably will at 17/18) when the insurer attempts to bill you for the lot, and the police will be less than impressed if anybody gets hurt and attempts the throw the book at you.
Just pay up like everybody else does.
Neither is flat out not bothering to get insurance in the first place. Doesn't make it right or acceptable.
Soldato
You do realise that most insurers pay out more than what they take in from all their customers? They all aim for a 1:1 ratio between money they take in and money they pay out. The business they have is investing/earning interest on the upfront payments, offering a credit facility, reselling peripheral services to their customers.