One admitting he's planning to front on his mums insurance policy, and the other on his dads trader policy which again probably isn't legit.

See the one in his 06 plate Punto, new driver and he's not even driving with 2 hands on the wheel

Anyone else see it?

I saw it, you're right about the fronting bit. I thought that too

Also the Mother of the guy with the 06 plate Punto said it was only worth £800 at most? Or did i hear that wrong..

Nathan126 said:

Also the Mother of the guy with the 06 plate Punto said it was only worth £800 at most? Or did i hear that wrong..

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Yeah she did, doesnt have a clue

It was a W reg Mk2 wasnt it?
I think you underestimate exactly how much fronting is over estimated on forums. To the rest of the world its just an every day thing.

volxstu said:

I think you underestimate exactly how much fronting is over estimated on forums. To the rest of the world its just an every day thing.

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Just because its socially exceptable, like speeding, doesnt mean it is right. Give an insurance company any chance to void your policy and they will.

Funny thing is, its that sort of attitude which puts up insurance, for example, Person A is fronting their insurance and they hit Person B. Person A insurance voids their policy and then that leaves Person B only able to claim off their own insurance due to being hit by an uninsured driver.

The person who's fault it wasn't is left to foot the bill for something that was not their fault, how fair is that?

Driving a car is a priviledge, not a right. If you can't afford it then don't drive.

volxstu said:

It was a W reg Mk2 wasnt it?
I think you underestimate exactly how much fronting is over estimated on forums. To the rest of the world its just an every day thing.

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Was a 2006 mk2b, and believe me fronting is not over estimated

Fronting is circumstantial. If like what the guy said he will have to go on his mums insurance, the car is in her name and she has the potential to drive it or does drive it, the insurer has no reason to investigate different.

volxstu said:

Fronting is circumstantial. If like what the guy said he will have to go on his mums insurance, the car is in her name and she has the potential to drive it or does drive it, the insurer has no reason to investigate different.

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Agreed, fronting is indeed circumstantial, but it's now investigated more than people think

If mother has more than one car registered in her name (remember companies asking how many cars are at the household) it'll be investigated for example

Fronting certainly is being investigated more than before

I am contracted to 5 different insurers to photograph cars involved in accidents, and one of the "Required" photos of each car is now a detailed Interior shot, showing evidence of type of user. (EG looking for evidence that the regulat driver is of the younger pursuation)

Fronters tend to not take this into account and the cabin fairly regularly shows a indications that the main driver is a lot younger than the registered keeper.

EG: Policy Holder Male 59, Secondry Driver Female 19

Not had to work out the main driver!!!



Or Undeclared Business Use, Sometimes they just make it too easy (Car was parked outside a Kebab shop!)

My evo is £1300 cheaper when fronting with my dad. Must say it is tempting.

SweetEvo19 said:

My evo is £1300 cheaper when fronting with my dad. Must say it is tempting.

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£1300 cheaper for what though? As your basically waisting what you pay as it won't be covering you for anything. How can that be tempting

Stops you getting done at roadside checks

SweetEvo19 said:

My evo is £1300 cheaper when fronting with my dad. Must say it is tempting.

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Not when you get caught out though, £200 fine, 6 points, possibly car seized, £150, plus storage costs (£12 a day round here I believe). Plus the added cost for the next 5 years of saying that you got caught without insurance.

Plus, no no claims when you are a named driver. I know a couple of people that did it, they are still paying £1000+ for their cars, nothing special, 1.2/1.4s. I'm paying £570 for a 2.8 at 22.

I am an 18 year old male. With a 1.4 sporting mk2B in summer i dont use the car because i go on my motorbike but on my own insurance is 15000 but when I go on my dads it goes down to 2900. There is no way i could afford 15000 on my part time job so I have gone on my dads.

Mikeyr94 said:

I am an 18 year old male. With a 1.4 sporting mk2B in summer i dont use the car because i go on my motorbike but on my own insurance is 15000 but when I go on my dads it goes down to 2900. There is no way i could afford 15000 on my part time job so I have gone on my dads.

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Get a cheaper car to insure then, or go without...thats what 99% of the public have to do when they can't afford something.

It would surely be very difficult to prove who the main driver is though especially when their are 3 people on the policy who all drive the car from time to time? How could they void it even if the younger driver had a smash? Its expected if one of the three where going to crash the car it would be the young person anyway 8\10 which is why the price is high even if the young person only drives it occasionally. Only evidence that's reliable would probably be interviewing neighbours. Also as long as the person who is the main driver drives the car slightly more than the named driver technically they couldn't do anything anyway

SweetEvo19 said:

It would surely be very difficult to prove who the main driver is though especially when their are 3 people on the policy who all drive the car from time to time? How could they void it even if the younger driver had a smash? Its expected if one of the three where going to crash the car it would be the young person anyway 8\10 which is why the price is high even if the young person only drives it occasionally. Only evidence that's reliable would probably be interviewing neighbours. Also as long as the person who is the main driver drives the car slightly more than the named driver technically they couldn't do anything anyway

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You go on believing that mate. There are plenty of ways and post 9 is only one of them

SweetEvo19 said:

It would surely be very difficult to prove who the main driver is though

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you have posted all the info they need on the internet Michael Sweeten

Lol since taking out the new insurance my parents have drove the car and I haven't yet, that's not breaking the law. I like to say the cars mine and yes the car was bought with me in mind however they drive the car too.

SweetEvo19 said:

Lol since taking out the new insurance my parents have drove the car and I haven't yet, that's not breaking the law. I like to say the cars mine and yes the car was bought with me in mind however they drive the car too.

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Who owns the car then and who is the registered keeper