Fronting....my opinion on it!

[devilsadvocate]

Apologies for the long post but worth a read....

Hello

I have seen a lot of threads on here recently where people are happy to admit that they have insured thier car in a parents (or older persons) name as the policyholder and put themselves on as the additonal driver.

In almost all circumstances this is illegal!
You will likely get away with it until you have to make a claim and thats where the issue begin...First off, someone from the insurance company will look at your claim and see a 50 year old policyholder and his 17 year old son as the named driver.....ALARM bells much!

Basically, fronting is illegal unless...

1. You actually are just an additional (casual) driver and the policyholder does drive it more than you do. Lets face it, how many self respecting parents are driving a saxo VTR as thier main car?

2. When you took out the premium, you were asked 'Who is the main driver of the vehicle' and you changed the answer from the default (policyholder - your dad etc) to the additional driver (you). This would likely increase the premium to the same as if you took out the policy in your own name however.

You may think you can get away with it and you probably will if you don't need to claim but is it worth the risk?

Picture this....you rear end a 50k merc and the claims person from the insurance company checks over your claim and decides you are in fact the main driver so voids the policy.
Who is now going to have to foot the bill for the merc you just crashed into.....ummmm probably you!!

I know you can save a massive amount by fronting but its simply not worthit
I also know how expensive insurance is for a 17 year old, even on a 1.1 but if you cant afford it then you shouldnt be driving!

We were all 17 once and we all paid a shit load for our first policy and years down the line with lots of no claims under our belts, insurance is much cheaper.

At 17 you are a massive risk to insurance companies, you are inexperienced and driving a saxo which is probably thier biggest claim....why should they give you a cheap premium??
Its all about the risk

Why do you think insurance is soooo expensive these days, not just for 17 year olds but for everybody....maybe because people were fronting and the insurance companies had to foot the bill...maybe due to fake injury claims.....maybe due to uninsured drivers!!

By you fronting, you are actually making it worse for other people and generations to come meaning everyone has to pay more for thier insurance

If you cant afford to get insured legally then dont drive for fuck sake!!!

Just my 2p worth

[Furio-92]

Some people dont have a choice, not everyone can afford to pay thousands to be insured. Some need to be able to drive for work etc.

[devilsadvocate]

Originally Posted by Furio-92

Some people dont have a choice, not everyone can afford to pay thousands to be insured. Some need to be able to drive for work etc.

Everyone has a choice, there is public transport

[nicole_]

Originally Posted by devilsadvocate

Everyone has a choice, there is public transport

what an arse
yeh cus people are really gunna use public transport
i know spend oer £15 on trains getting to work when it used to cost me a fiver for the week in my car.
im now pregnant and struggling to make it to the train station on foot everyday
what i would do for my car right now
i dont know why anyone would choose public transport over their car

[devilsadvocate]

Originally Posted by nicole_

what an arse
yeh cus people are really gunna use public transport
i know spend oer £15 on trains getting to work when it used to cost me a fiver for the week in my car.
im now pregnant and struggling to make it to the train station on foot everyday
what i would do for my car right now
i dont know why anyone would choose public transport over their car

Hmmmm there are so many things wrong with your statement I don't know where to begin my dear...

First off, learn to spell and use grammer correctly
Secondly, it's your fault that you got pregnant.....you had a choice not to do so!
Thirdly, it didn't cost you a 'fiver for the week', maybe in petrol but add maintenence costs, tax, insurance etc...that fiver soon adds up!

I am not saying Public transport is cheap, it's not.
I am mearly stating that people have a choice when it comes to fronting on thier insurance

[nicole_]

Originally Posted by devilsadvocate

Hmmmm there are so many things wrong with your statement I don't know where to begin my dear...

First off, learn to spell and use grammer correctly
Secondly, it's your fault that you got pregnant.....you had a choice not to do so!
Thirdly, it didn't cost you a 'fiver for the week', maybe in petrol but add maintenence costs, tax, insurance etc...that fiver soon adds up!

I am not saying Public transport is cheap, it's not.
I am mearly stating that people have a choice when it comes to fronting on thier insurance

my reply was readable so dont be such a pedantic prick.
i probably had a better education than you.
honestly id rather have 'fronted' my insurance than got public transport to work.
i dont see the big hoo haa with fronting, if you know the consequences then fair play to you for taking the chance and getting cheaper insurance.
if insurance companies didnt make it so impossible for young people to pay insurance than there wouldnt be a problem with fronting
it did cost me a fiver a week actually

[anton_sax_machine]

I agree totally with this as it pisses me off to know i struggle to pay for a 1.1 at 19 and 17 year olds are driving round in VTR's and other cars when they aint paying shit... are insurance is that high as you (rich twat's) sorry for being rude keep crashing your very nice and expensive cars all because you cant handle the power

[VTHall]

Originally Posted by anton_sax_machine

I agree totally with this as it pisses me off to know i struggle to pay for a 1.1 at 19 and 17 year olds are driving round in VTR's and other cars when they aint paying shit... are insurance is that high as you (rich twat's) sorry for being rude keep crashing your very nice and expensive cars all because you cant handle the power

hold on kid, im when i was 17 i payed over 2 grand for my vtr on insurance.

[MunkyBoy]

The reason I took a 1.1 as my first car is insurance. I couldn't afford to go and insure a VTR, so I'm spending a year or two in a car that is underpowered.

But at least I'm legal.

Really bugs me to be honest that people drive VTR/S without techincally being insured... There are always choices.. Can't get insured on a VTR? Then buy a 1.1, or another car. Or even use the bus until you are older.

[beckha]

I had an integra type R as my first car.

I didn't front. I was the policy holder.

If you can't really afford to insure a fast car you shouldn't buy one.

x

[BazzaC]

Well said Devil...

I work in an Insurance Broker's and I see this so many times on this forum. Just makes me wonder how many people on here are legal, let alone everywhere else in the UK.

Fronting is illegal and you are likely to get away with it, unless as devil said, you make a claim. Then the insurance company will pay out but will no doubt be chasing you to reimburse them.

[blackie_2k5]

lol @ this thread, most know itl illegal yes, but it isnt going to stop ppl, if insurers didnt charge so much ppl wouldnt be forced to do this, and btw, good luck proving that the second driver who had a crash is fronting, it would cost more then payout is worth, the insurer's just payout instead...........yes the noobs put our prices up, but no more then any other noobs who crash their self insured cars, those that self insure put the young driver crash statistics up which inturn makes it harder for other noobs to self insure. its all a viscious circle and they insurers still make shitloads of money, if you can manage to save some ££ on the insurers part i say good for you....

and i drive my car insured by myself before you start wingeing.

[JAMason]

On the subject, its the same with modifications, 90% of insurance company's will ask if the car is modified from the factory spec, this included, air filters and manifolds/exhausts, anything that bumps the power up. If you dont mention them and you crash, your policy can again be void! Who is paying the bills then?! You are!!! I declared mine, and it does put insurance up but i would rather pay for my parts to be insured as well, and in the event (Haven forbid!) that i do crash i will get my car repaired or money to replace it! Uninsured drivers really piss me off!

[jdr]

OMG this devil guy do you own an insurnace company or something becuase you seem to think you know everything about insurance, you say everyone had it hard at 17, they did not have to pay anywhere near 4 fuckin grand for a 1.1! Its a bit sad that your 23 and you can only afford a VTR get a VTS you sad little man

[coleman258]

Originally Posted by jdr

OMG this devil guy do you own an insurnace company or something becuase you seem to think you know everything about insurance, you say everyone had it hard at 17, they did not have to pay anywhere near 4 fuckin grand for a 1.1! Its a bit sad that your 23 and you can only afford a VTR get a VTS you sad little man

Maybe he doesnt need the extra power or want to pay the extra on insurance, petrol and tax?

[Chr15]

Originally Posted by jdr

OMG this devil guy do you own an insurnace company or something becuase you seem to think you know everything about insurance, you say everyone had it hard at 17, they did not have to pay anywhere near 4 fuckin grand for a 1.1! Its a bit sad that your 23 and you can only afford a VTR get a VTS you sad little man

Maybe he doesnt give a flying fuck about owning a VTS. And how do you know he doesnt have claims, points etc. Or maybe he has other priorites in life over owning a 500bhp saxo

[jdr]

Originally Posted by Chr15

Maybe he doesnt give a flying fuck about owning a VTS. And how do you know he doesnt have claims, points etc. Or maybe he has other priorites in life over owning a 500bhp saxo

Coming from the guy who has gained 11.6 BHP? Im not trying to offend people it jsut annoys me when people say everyone has to pay a lot when there 17, 4000 pounds is 3 x what most people have had to pay and this is on a 1.1!! Dont insurnace comapnies make enough money becuase everyoen has to have car insurnace buy law? This means they already have 95% of the UK market ???? Its extortion and they target younger people but charge 4k for a 1.1 but only 4.5k for a 1.6 VTR? They dont seem to target all the 25 year olds who total evos and scoobys? So its not fair.

[devilsadvocate]

Originally Posted by jdr

OMG this devil guy do you own an insurnace company or something becuase you seem to think you know everything about insurance, you say everyone had it hard at 17, they did not have to pay anywhere near 4 fuckin grand for a 1.1! Its a bit sad that your 23 and you can only afford a VTR get a VTS you sad little man

I don't own an insurance company and i don't work for one.

I can easily afford to insure a faster car, im 23, 3 years no claims and 5 years driving experience
I could insure an imprezza or an evo or most other group 20 cars
The reason I don't is that I don't feel the need to have a stupidly fast car as I walk to work therefore only use it on the weekend, hence having a banger of a saxo

If I drove to work or drove for a living I would have a brand new car, something with some more power etc

Trust me buddy, most people on here had a pay a shit load for their first insurance. Mine was on a Nova 1.4, cost me £1800TPFT. I know its not 4 grand but its still more than I had.

I paid monthly and worked my arse off to have a car
I needed a car as I lived in a village and job prospects are better if you drive

Also, learn to spell you sad little man

[chinkostu]

Originally Posted by jdr

OMG this devil guy do you own an insurnace company or something becuase you seem to think you know everything about insurance, you say everyone had it hard at 17, they did not have to pay anywhere near 4 fuckin grand for a 1.1! Its a bit sad that your 23 and you can only afford a VTR get a VTS you sad little man

why on earth are you even paying 4 grand. the most it should ever be is 2k TPFT!

personally, if you can't afford to insure your car monthly, you can't afford to drive. i paid my first years insurance (£1600 on a 50bhp fiesta!) out of the rest of the loan i had for the car. i worked full time!

put simply, yes insurance is stupidly high when you start, but its that high for a reason. so many young drivers crash (i've witnessed 3 people write cars off who had them less than a month) and the insurers have to make money somehow. if older drivers crash, their premiums go up too.

and its not hard to shop around. my mums only got about 3 years ncb, shes been driving for ages, and she pays £300ish a year. her previous insurers nearly doubled that for no reason, so she moved!

[SaxSpeed]

Originally Posted by jdr

OMG this devil guy do you own an insurnace company or something becuase you seem to think you know everything about insurance, you say everyone had it hard at 17, they did not have to pay anywhere near 4 fuckin grand for a 1.1! Its a bit sad that your 23 and you can only afford a VTR get a VTS you sad little man

well if ur paying 4k to insure a 1.1 ur a mug