If you are insured on your car under your parents name....

[Mike]

FROM BBC WEBSITE

http://news.bbc.co.uk/1/hi/programmes/working_lunch/7282236.stm

TAKE NOTE!

Insurance industry is cracking down on these people.

If you are the main driver on your car, and the insurance policy is in your parents name, then "fronting" as it is called is illegal, and there has been three cases recently of people within car forum communities where the insurance company has not paid out after a write off. In one case where the vehicle was registered in the lads name, but parents were the policy holder, the driver was hauled in as every insurance policy states "The vehicle is registered in your name"

Be Warned......

 

[Gromb200]

This is bad who would do such a thing..................................................

 

[GrumpyTwig]

My insurance is all legit but I did add parents as named drivers which can and did bring the premium down.

Not sure why anyone would think this is a good idea, I hope you haven't Matt though it would explain your driving lol SORRY!

 

[Gromb200]

. I hope you haven't Matt though it would explain your driving lol SORRY!

Would rather not explain on here, for another time

My driving, what do you mean?!? I am Condom driver on the motorway! Safe! :rofl:

 

[SnapMonkey]

Without trying to dismiss the OP (which I agree with whole heartedly, and is something I genuinely never did), the news article is dated March 2008.

Has anything been done about it, no. They should though.

 

[GrumpyTwig]

rofl I was going to make a joke about being ribbed for pleasure but.... maybe best not

 

[BenW]

I admit I did this for my first year, it was considerably cheaper. It wasn't quite as common then, people were just starting to catch onto it

 

[Arran]

Never done this. I am a named driver on the estate we have as a second car, but I barely do any miles in it and I'm not the main driver. But I wonder what they'd say if I were to have an accident, whether they'd accuse me of dojng this.

 

[clio200cup]

not that i have ever done it, my dad is too straight and narrow, but when insurance companies insist on charging over 2k for most first year policies, it is entirely understandable why people do so!!

 

[Mike]

Without trying to dismiss the OP (which I agree with whole heartedly, and is something I genuinely never did), the news article is dated March 2008.

Has anything been done about it, no. They should though.

How DARE you try and dimiss what I have put. :rofl:

I posted that on Saxperience back in 2008 when that article was first on BBC. But it has made me think in the last couple of days after someone I know had his insurance claim for a serious accident in a Zetec S voided because it was in his mum's name, and when the assesor came and looked at the car, they refused to believe that the mother was the owner (the V5 proved the lad was lol) and that the mother was the main user of the car.

But whose mum would drive a ZS round low as a protitutes knickers with a dustbin sized exhaust lol!!!!

Hmmmmmmmmmmmmmmmmmmmmmmmm, the most I ever paid was £1800 for my little 106 1,2 litre lol

 

[RalphyBMW]

I admit I did this for my first year, it was considerably cheaper. It wasn't quite as common then, people were just starting to catch onto it

This has been going on for a long time though, at least since the early 90's and probably before that.

 

[SnapMonkey]

It simply isn't worth it.

Technically you are driving without correct insurance, and therefore its an IN10 offence code. 6 points and up to £2000 fine, so goodbye licence for the newly passed.

My first car was an '89 Civic 1.4GL (twin carb!) and cost £1450 to insure, which was twice the value of the car.

 

[Mike]

Most people who are 17 have no choice, thats the problem.

The insurance companies don't really make it much of a choice, particularly for those lads that live out in the country side!

 

[Gromb200]

The insurance companies don't really make it much of a choice, particularly for those lads that live out in the country side!

You are right there Mike!

 

[Liambo-201]

Has anything been done about it, no. They should though.

They have been doing things about it, i know of 4 people that haven't got pay outs (2 write offs, 1 minor crash 1 sorta major) due to this.

But my thoughts is what if a family own a 197, the son is the registered keeper because he collected the car and signed it over but the mother for example is the main driver daily and main insurer but the son that only drives it once a week crashes? Thats a genuine situation.

 

[Deako]

I've only ever had my own policies since i passed my test some 12 years ago.

 

[Roy]

i did this the first year my son had his trophy to keep his cost down
but he did his own after that

 

[Clio*Nick]

When I crashed my mums car a few years ago, the insurance company actually wrote to our neighbours to check if the car was kept at home or if I took it to uni with me, so they could work out if I was actually the main driver or not

 

[Gouldy]

I never did this. It came up in discussion after I had a quote for £3000 on a 1.3 escort but my parents said heel no. So I has always had my own insurance from day one of being legit on the roads (2003 till present)

 

[daz]

I have never, and would never, do fronting. Not even for my Son, it simply is not worth the risk of potentially driving without insurance.

My first car back in '98 was a £500 Escort 1.3, it cost me close to £1500 to insure it TPFT, three times it's value!

I know of at least one lad who had his claim cancelled due to fronting.