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Old 21-10-2007   #16
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Re: insurance fronting

I did it whilst i was learning to drive and then a few months after passing my test last year. But i have been on my own insurance since the end of may last year.

Ive got over 1 years no claims, and pay £1300 a year on my Stilo 1.9JTD (i do approximately 13k miles a year).

Next door there is a lad to me who has an old shape 2.0Dti Astra, and he is on his mums insurance and pays about £1500 if not a bit more, and he has no 'no claims bonus' at all - and he does a lot more miles then me a year - serious insurance fronting.
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Old 21-10-2007   #17
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Re: insurance fronting

Quote Originally Posted by beau View Post
how would they know whos the main driver though!? most of my friends are added on there mums policy's, but most of them except i think 1, there mum/dads are the main drivers cos they cant afford there own car. thats why one of them drives a yaris his mums car lol
People actually forget to register the car in the parents name, thats usually the first way you get caught out. Not sure if the police also have the power to report back if they spot the named driver alot of the time driving around. So helps not to have a car that attracts attention or driving like an idiot.
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Old 21-10-2007   #18
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Re: insurance fronting

Quote Originally Posted by beau View Post
how would they know whos the main driver though!?
if there's a claim, insurance co's send an assessor and they look at things like what sort of music is in the car and what's in the glove box, personal items and stuff like that.
If none of it belongs to the main driver they can refuse to pay out.
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Old 21-10-2007   #19
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Re: insurance fronting

wat if ur mams a big chav and likes the same as u lol ?
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Old 21-10-2007   #20
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Re: insurance fronting

If accident rates for young drivers don't improve the Gov. will step in and force 17 yr olds to drive low powered cars, like they did with bikes.
what's wrong with having a Panda for a couple of years untill your premiums come down anyway?
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Old 21-10-2007   #21
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Re: insurance fronting

Quote Originally Posted by dan_in_darlo View Post
wat if ur mams a big chav and likes the same as u lol ?
going by your writing style i can easily see that

Last edited by custard; 21-10-2007 at 13:24.
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Old 21-10-2007   #22
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Re: insurance fronting

my puntos only a 1.2 which isnt very fast yeh it will do 100mph easy but its stil classed as low power and its 10yr old lol
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Old 21-10-2007   #23
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Re: insurance fronting

Quote Originally Posted by dan_in_darlo View Post
wat if ur mams a big chav and likes the same as u lol ?
I don't think that will quite fly with them.

Being honest here if you claimed and looking at your siggy, they'll take one look at the car and refuse. It's too obvious your the main driver
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Old 21-10-2007   #24
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Re: insurance fronting

Quote Originally Posted by RichDoblo120 View Post
If accident rates for young drivers don't improve the Gov. will step in and force 17 yr olds to drive low powered cars, like they did with bikes.
what's wrong with having a Panda for a couple of years untill your premiums come down anyway?
i think they should anyway.takes pressure off those that cant afford 'good' cars and will lower accident rates regardless of the 'you can crash a 1.1 brigade'
my 1st couple of cars were 1/1.1's so it wouldnt have made a difference
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Old 21-10-2007   #25
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Re: insurance fronting

it dosent how fast it goses if it moves it can crash basically there r ideas about and have no care or respect for other road users but not all young drivers drive 400mph dont the road i stick to the speed limit in build up areas and if theres children around i slow right down the only time i speed is on the motorway but if its wet and dangerous driving conditions i normally stick to around 50mph but i am a safe driver
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Old 21-10-2007   #26
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Re: insurance fronting

Quote Originally Posted by dan_in_darlo View Post
it dosent how fast it goses if it moves it can crash basically there r ideas about and have no care or respect for other road users but not all young drivers drive 400mph dont the road i stick to the speed limit in build up areas and if theres children around i slow right down the only time i speed is on the motorway but if its wet and dangerous driving conditions i normally stick to around 50mph but i am a safe driver
you sound like a safe driver and you do have a low powered car but you're going to have to be careful cos of the mods on your car. If there was a claim the insurance might refuse to pay out.

Maybe insurance is only affordable to 17 yr olds on group 1 cars?
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Old 21-10-2007   #27
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Re: insurance fronting

Insurance prices even on group 1 cars arent even that low. Or at least not as low as you might think. It only cost me about £200 more to be insured on my Stilo then it did on a group 2 car.
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Old 21-10-2007   #28
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Re: insurance fronting

am sure this qualifies for a repost even though its a different link
https://www.fiatforum.com/insurance/...ead-first.html
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Old 21-10-2007   #29
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Re: insurance fronting

Not this subject again, with the same newly qualified youngsters saying "I won't crash", "I drive safe", "I ain't a Chav" etc. etc. etc.

If fronting keeps on happening and new drivers keep on crashing all that is likely to happen is that insurance companies will withdraw named driver policies for those under a certain age and/ or with less than a few years of driving experience. Either that, or they'll make named driver policies cost the same as a new driver taking out insurance on their own.

I forsee this happening in the future along with engine capacity restrictions. It can be reversed if new drivers reduced their accident rate but somehow I can't see that happening...
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Old 21-10-2007   #30
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Re: insurance fronting

So just seen an advert for this new Polo Bluemotion. Quick look up on their website and I'm thinking this isn't a bad car for a first time driver.
  1. Zero Car Tax
  2. Combined Cycle of 74.3 mpg - Cheap Fuel Costs
  3. Group 5 Insurance
OK pricey at the moment at £12k but still the above is appealing. Then I did an insurance quote on Tesco, over £2.5K

I can understand a bit why fronting does happen. I accept some of that premium will be down to the age and value of the vehicle but it's still a kick in the teeth to fork out that much...
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