Warning to anyone insured under their parents name. UPDATE 1st PAGE - Saxperience

MikeCracknell · 30th September 2007, 10:40

FROM BBC WEBSITE TODAY: 08/03/2008

http://news.bbc.co.uk/1/hi/programme...ch/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......

MAS · 30th September 2007, 11:01

i heard of something like this recently on a local cruise forum but good job on posting it here

b0t13 · 1st October 2007, 14:31

tbh its not the best way to get insured at all, but its the most popular way for young drivers to get insured for any sort of decent money..

best way is ur own name, but if the price is £3k and £1200 on ya dads name, i know most people will go on their rents name as it saves a shit load of money..

liambez · 4th October 2007, 01:34

Quote:

Originally Posted by b0t13

tbh its not the best way to get insured at all, but its the most popular way for young drivers to get insured for any sort of decent money..

best way is ur own name, but if the price is £3k and £1200 on ya dads name, i know most people will go on their rents name as it saves a shit load of money..

i agree i Forked out £1200 for my insurance on my own but defo know if i were abit short of cash id go on rents

Graeme^p · 1st October 2007, 14:33

tbh simply way round it is just get the car regested in your parents name and not yours!!!

then they cant say shite as the car will be registerd to the policy holder

Danhunt · 1st October 2007, 14:36

Quote:

Originally Posted by Graeme

tbh simply way round it is just get the car regested in your parents name and not yours!!!

then they cant say shite as the car will be registerd to the policy holder

agreed, for all they know then you are just taking the car for a drive

plus then when it comes to resale, and its under your mums name for example, you can pass it off as it being owned by a careful lady owner

Graham · 3rd October 2007, 07:50

Quote:

Originally Posted by Danhunt

plus then when it comes to resale, and its under your mums name for example, you can pass it off as it being owned by a careful lady owner

thats clever thinking

adamm · 11th August 2008, 16:58

Quote:

Originally Posted by Danhunt

agreed, for all they know then you are just taking the car for a drive

plus then when it comes to resale, and its under your mums name for example, you can pass it off as it being owned by a careful lady owner

thank god for that because my dad is the owner of my car and the policy holder im just a named driver i was panicing then dont want the insurance not paying out if i crash else ile be in some debt lol.

MikeCracknell · 11th August 2008, 21:48

Quote:

Originally Posted by adamm

thank god for that because my dad is the owner of my car and the policy holder im just a named driver i was panicing then dont want the insurance not paying out if i crash else ile be in some debt lol.

That is EXACTLY what happened to my mate Ben - car registered and insured in dad's name - insurance company wouldn't pay out as they believed that the boy was driving it all the time. And it had been modified too.....(declared) and the insurance people were like "yeah, cos a 45 year old would do that to a car!"

Stickyjam · 27th September 2008, 00:23

Quote:

Originally Posted by MikeCracknell

That is EXACTLY what happened to my mate Ben - car registered and insured in dad's name - insurance company wouldn't pay out as they believed that the boy was driving it all the time. And it had been modified too.....(declared) and the insurance people were like "yeah, cos a 45 year old would do that to a car!"

jut because its been modified during the sons use doesnt mean the fathers going to have everything put back to stock next time! i dont see why it wouldnt hold up that he was just letting his son have his way and spend on the car he USES...

p2ck · 7th January 2008, 23:04

Quote:

Originally Posted by Graeme

tbh simply way round it is just get the car regested in your parents name and not yours!!!

then they cant say shite as the car will be registerd to the policy holder

yep, thats what i've done with mine, its in her name and i'm reg'd fully comp inc' business..

89me11 · 5th March 2009, 19:58

Quote:

Originally Posted by Graeme

tbh simply way round it is just get the car regested in your parents name and not yours!!!

then they cant say shite as the car will be registerd to the policy holder

Exactly, that's what Ive done for the last two years. Quinn wouldnt let me insure it as a named driver whilst it was still registered in my name anyway, they said it would have to be in my mums name for her to be the main driver on the policy. So they practically told me to do it anyway.

Saves shite loads of money, insurance is a friggin joke! I still pay about £1200

sparky771 · 12th June 2009, 22:47

Quote:

Originally Posted by 89me11

Exactly, that's what Ive done for the last two years. Quinn wouldnt let me insure it as a named driver whilst it was still registered in my name anyway, they said it would have to be in my mums name for her to be the main driver on the policy. So they practically told me to do it anyway.

Saves shite loads of money, insurance is a friggin joke! I still pay about £1200

how old were you when u got this quote btw?

Spen · 19th June 2010, 16:20

Quote:

Originally Posted by Graeme

tbh simply way round it is just get the car regested in your parents name and not yours!!!

then they cant say shite as the car will be registerd to the policy holder

This is what i did. £2000 on my own £888 on my parent's.

woolyhead · 2nd August 2013, 18:44

Quote:

Originally Posted by Graeme

tbh simply way round it is just get the car regested in your parents name and not yours!!!

then they cant say shite as the car will be registerd to the policy holder

If there was an accident they could look into where the young driver was going at the time and if it was a regular trip that he took (eg college, work, etc) they would get suspicious. Then they'd know they'd been had and might get a bit upset. No?

bridgesvtr90 · 2nd October 2007, 15:45

its £2300 4 me as main driver or £740 as a named driver lol i kno which 1 im getting

TU-Tuning · 4th October 2007, 01:38

If they expect people to play by the rules then they should make sure their premiums arent so stupidly high for such a comparitivly poor age group.

MikeCracknell · 9th October 2007, 19:34

I do totally agree, but the two cases I am thinking of, the cars were registered in parents names with the lads on the policy....modified etc.

Insurance company look at car and say "Would a 50 year old be driving that as their main vehicle? No, I don't think so"

I agree with the cheap comments though! It is stupid the cost of insurance for first timers!

DavidKent · 9th October 2007, 22:33

Quote:

Originally Posted by MikeCracknell

Insurance company look at car and say "Would a 50 year old be driving that as their main vehicle? No, I don't think so"

They don't know that?

I saw some old lady around local to me, driving a Puma - Not just a standard one, it looked pretty one off, didn't have any aftermarket stuff, but looked smarter than the average 1.7 Zetec.

I say old, she was probably 60-65, but still - Doesn't mean to say a 50 year old man (My dads only 42!).. so 42 year old man wouldn't drive a Modified Saxo.

Doesn't mean jack, you could argue it.. though i have known them to ask neighbours who is the main driver of that car..

There's ways around it in both respects.
Prices are stupid though!

MikeCracknell · 18th November 2007, 21:23

Quote:

Originally Posted by DavidKent

They don't know that?

I saw some old lady around local to me, driving a Puma - Not just a standard one, it looked pretty one off, didn't have any aftermarket stuff, but looked smarter than the average 1.7 Zetec.

I say old, she was probably 60-65, but still - Doesn't mean to say a 50 year old man (My dads only 42!).. so 42 year old man wouldn't drive a Modified Saxo.

Doesn't mean jack, you could argue it.. though i have known them to ask neighbours who is the main driver of that car..

There's ways around it in both respects.
Prices are stupid though!

I do agree with that, but I will keep on pointing to this one case (and since then, another) where they won't pay out as they suspect that it is fronting.