Quote:
Originally Posted by j_a_lyons
lol well said mate! The only problem is direct line told us they won't insure him think my mum must hav given away the fact he'd drive it more! But we cud still technically just purchase the £1900 a year quote online but not sure wot they'd do about it because of the phone conversation. Sounds expensive but compared to other quotes its not too bad and we'd take it. Fucking ridiculous this tbh.
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Fucking horray for Direct Line, finally an insurance company with some sence and balls!
I am not gonna tear into you regarding fronting as you clearly know what you are doing, however do you know the potential implications.
Before outrage_uk goes into a hissy fit, what I am saying is my own opinion which I am entitled too and is backed up with facts!!
If you crash (hopefully you dont), the insurance company will assign a claims advisor to your claim and he/she will look over your policy.
Insurance companies want to avoid paying out at all costs so the first thing they will do is see a much older driver as the policyholder and his/her son as the additional driver
RED FLAG!!!
They will then arrange a visit to see the car (to check for damage AND mods) and speak to you. A lot of questions will follow and these people are trained at trying to get people to reveal something that will invalidate thier policy (such as fronting).
If they decide you are fronting (proof is irrelevant), its thier choice as to whether the void your policy and you will be left to foot the bill, for your car and anything you hit (people, vehicles or objects)
People CAN and HAVE been caught out with fronting, posts are on here all about it.
Most people do get away with it I agree, is it worth the risk though?
Thats for you to decide buddy
As I said before, insurance is about the risk you pose
Most people say, 4k insurance on a 500 quid car WFT??
What if you hit a 50k Merc...or a child and cause them a disibility?
Are you going to pay for the care of a child for the rest of its life, I doubt it, the insurance company will.....IF you have valid insurance, which technically you don't
Fronting IS Illegal, it is obtaining insurance cover by deception!
Now I await a half arsed, non factual reply from outrage_uk
