Insurance Named driver insurance - fronting - (split thread)

[czechplastik]

Any comeback Danko?

[DanKo]

Originally Posted by jayt43

Wouldn't the insurance on the Type R be prohibitive for you DanKo? Or at least for lesser mortals of the same age?

No, The type R will be in my parents name, and I will be a listed driver.

[basegreen]

Originally Posted by DanKo

No, The type R will be in my parents name, and I will be a listed driver.

[DanKo]

Originally Posted by basegreen

what? I wont be driving the honda as much anyways..

[jayt43]

Me thinks the sentence "I won't be driving the Honda much anyways" and "Type R" don't really go hand in hand

[basegreen]

Originally Posted by DanKo

what? I wont be driving the honda as much anyways..

Is your main car insured in your name? You should be trying to build NCB up really.

[CivPilot]

Originally Posted by DanKo

No, The type R will be in my parents name, and I will be a listed driver.

Sorry to be all gloom... but this really f**king gets my goat......

What your doing is known "fronting" or "fronting up" in insurance circles and recently insurance companies have started investigating policys with "named drivers" under a certain age. It's actually illegal (breach of terms) to put a person as "named driver" and then allow them primary use of said car.

If any claim were to be made the insurance company would then become very "interested" in the cars use if said claim was made with the "named driver" behind the wheel. They check that the named driver has thier own primary car, they check annual millage on both primary and named car, they check that primary owner of "fronted" car has no other car, if they do they check annual millage of Primary owner and compare across the two cars etc etc.

put simply if the insurance company got the idea that you may be "fronting" they will investigate (up to and including employing the services of a thired party Private investigation firm). Should they discover they are correct in their fears they would cancel said policy on the spot, void any claims and it would be very difficult from that moment on for the original policy owner to reinsure any car as the "fronting up" would be stored against their name and said information would be available to all other car insurance companies. they certainly would not be able to insure a car with any named drivers under a certain age ever again.

Fools game.

http://www.localbroker.co.uk/news/ca...licyuser4=L000

and this one will open your eyes.. Insurance company cancels 800 "Fronting" policies in one go.....

http://money.guardian.co.uk/insuranc...884126,00.html

Like I said, fools game.


ps. You will also have no "no claims" bonus in your name and come the time when you finally decide to come out from under the shadow and insure yourself you will be paying 17yr old new driver prices... no matter how old you are.

[czechplastik]

Civpilot is right Danko, You're on a hiding to nothing.

[5ummer5]

Yeah, i agree.

Unless of course u will actually be a proper 'named' drive and only drive it occasionally. Otherwise u might be better off getting ** own quote, in the long run of course.

Right now it might seem expensive but it will reduce premiums drastically later on. I have been driving 5yrs now and i have managed to get my quote down to £880. Even tho i dont have any NCB i believe they still take into consideration the fact i have been on my own policies for that amount of time and at some points i did have NCB.

Try Admiral for a quote.

[DanKo]

I wont be the one that drives the car as much... I have my own car now, I rarely drives the civic anymore, hence why my dad is concidering upgrading it to a Type R model.

[czechplastik]

Originally Posted by DanKo

I wont be the one that drives the car as much... I have my own car now, I rarely drives the civic anymore, hence why my dad is concidering upgrading it to a Type R model.

What's the point? Both you and your dad have merc's.

[DanKo]

Originally Posted by czechplastik

What's the point? Both you and your dad have merc's.

1.4 model civic sucks?, and he will use the honda to go to work etc..

[CivPilot]

Originally Posted by DanKo

1.4 model civic sucks?, and he will use the honda to go to work etc..

So why, if your not the primary driver, did you modify the 1.4 through the roof?. And then tellingly avoid/totally ignore any questions on how much those mods added to the insurance. (Not declared maybe? A set of wheels alone adds to insurance these days, many companies totally no-no any performance mods with a young named driver on the policy).

So what car do you own yourself and is it insured in your name with you as the policy holder? (Seeing as you couldnt afford the insurance on the 1.4 Civic less than a year ago I'm interested to see what you've bought)

Sorry, but you gave the distinct impression with your postings that on the 1.4 you were indeed the primary driver (the mods were very "young" related, cant see your dad wanting a Base box, ice upgrade, loud exhaust and bling bling wheels) and I don't see it being different if your dad buys a Type-R.
I'm really trying but I am increasingly finding it very hard to beleive your posts. You start off saying how your "upgrading me current civic" but then claim the 1.4 isnt your car? When challenged the story changes continuosly to get you off the hook. Let me just remind you of your first post in this thread....

I was in the Honda garage today, and I went in there to get some figures on exchanging me current civic for the new type R, out come on the figures was rather nice

So I asked if they have them in, and they said they do but it's covered up ready for the launch date, so I asked if I can have a sneak, so he gave in and said yes, so he lifted the cover off the side of the car, then he said it might not locked, so I opened the door:O, and I asked if I can sit init, so he said yes, and I jumped right in!

First impression, OMG, I loved it:O! Everything seem so well made, and the redness is sexual!, also not to mention the exterior is stunning with the colour trim!

He said is I went ahead he can get me one for around 15th march

That's for the GT edition, which features fog's, rain sensor, air con, cruise con, etc.. etc... I am still deciding atm..... I will deffo go with the 19'S!!!

Thanks, I just wanted to share this with you guy's.
P.s, Oh yeh, IPOD connecter is standard...

Did you write that or your Dad?

[czechplastik]

Originally Posted by CivPilot

So what car do you own yourself and is it insured in your name with you as the policy holder? (Seeing as you couldnt afford the insurance on the 1.4 Civic less than a year ago I'm interested to see what you've bought)

I Still Exist!

[jayt43]

Is this still a forum or a court of law?

Must admit, while I agree with CivPilot's rationale, we should be careful now (IMHO) to avoid turning this into a witchhunt. I made a comment earlier on, which perhaps helped move this thread towards something a bit more confrontational. And I'm starting to regret it!

Ultimately, it's up to DanKo to decide how to go about insuring the vehicle. I think we've all learnt a bit more about fronting now, along with the risks involved. And who wouldn't want a Type R!!

However, younger drivers need to accept (with good reason) that certain vehicles should not be available to them in the early part of their driving careers. I'm glad I built up my NCB from scratch in a lowly 1.4, which has since enabled me to drive more powerful cars. I do so responsibly and without having to resort fronting tactics. That's definitely the way to go!!

But let's not start putting members into the dock!!!

[CivPilot]

Originally Posted by jayt43

Is this still a forum or a court of law?

Must admit, while I agree with CivPilot's rationale, we should be careful now (IMHO) to avoid turning this into a witchhunt. I made a comment earlier on, which perhaps helped moved this thread towards something a bit more confrontational. And I'm starting to regret it!

Ultimately, it's up to DanKo to decide how to go about insuring the vehicle. I think we've all learnt a bit more about fronting now, along with the risks involved. And who wouldn't want a Type R!!

However, younger drivers need to accept (with good reason) that certain vehicles should not be available to them in the early part of their driving careers. I'm glad I built up my NCB from scratch in a lowly 1.4, which has since enabled me to drive more powerful cars. I do so responsibly and without having to resort fronting tactics. That's definitely the way to go!!

But let's not start putting members into the dock!!!

Well put, I like the paragraph I put in bold. Did the same thing myself and started off with a real Mini. Since then have had some a mixture of quirky (smart city coupe, actually alot of fun) to the downright nuts (Renault 19 chamade with an almost touring car spec lump pushing a dynoed 183bhp at the wheels... bonkers car when you early 20's). Every single car I have owned has been paid for by me and insured by me in my name. Glad my folks made me do it and refused to "front" me back when my mates were drving XR3i's paid for by daddy.

If people choose to be dishonest and "front" It's the risk they take... until they hit someone else and find that their insurance is invalid and actually they are not covered and then the risk is ours...... because at the end of the day Fronting is almost the same level of risk as having no insurance at all. And since when has that been ok?

I also have this tendency to call it when people tell "miss truths" on the internet to look good. No point in that.

CP, cheers for the link. Wonder how the group 16 insurance is on that £30+k Merc is, compared to a 1.4 Civic that was too expensive without "Fronting"

[sik2k]

I had to have my own insurance from day one. Trust me to get the parents that can't drive!

[czechplastik]

The whole thing reeks of BS to me.

I've insured myself on both cars thus far, worth it in the long run in terms of cost and NCB and the security of knowing I am covered full comp. 1.4 to 2.2 wasn't such a great hike with the 2years NCB I have and will set me up nicely for the future.

[jayt43]

Something tells me my appeal for restraint isn't working...

[czechplastik]

Originally Posted by jayt43

Something tells me my appeal for restraint isn't working...

I am restrained! Perfectly chilled! Although I'm probably going to stay out of this from now on!