Fronting....my opinion on it!

[LSOfreak]

but not alot of people are up for being full time bikers. i mean this transport could potentially be for the everyday commute to work etc.
Even though im aware the majority of people who own motorcycles are only sunday riders who put on the flash leathers and only use their shiny bikes in the summer and dont actually use their bike EVERYDAY rain or shine
A 16/17 year old on a moped would have to be in the elements during winter etc. dont have the safety and warmth of a lovely car. you cant really go out with mates in it etc.

[Chr15]

not everybody has a bus stop on their door step or works in an office.

cant imagine a bricky using a bus to get to the middle of nowhere and have all his tools and equipment on him

[Matt67]

It's just not reasonable some of the quotes young drivers get, I think they should be capped upto 20 they should be capped to insurance group 10 and a maximum premium of 2 k, i had to pay 1800 on a 1.1 when i was 17 and that was as a named driver, i refused to pay 4k for a car worth 1k, they figured i was going to write that car off 4 times a year? Fuck off.

[devilsadvocate]

Originally Posted by Matt67

It's just not reasonable some of the quotes young drivers get, I think they should be capped upto 20 they should be capped to insurance group 10 and a maximum premium of 2 k, i had to pay 1800 on a 1.1 when i was 17 and that was as a named driver, i refused to pay 4k for a car worth 1k, they figured i was going to write that car off 4 times a year? Fuck off.

Insurance is not just about the value of your car
Sure, if you smash into a tree they will just have to front out 1k to you

If you crash into a Aston Martin and write that off, im sure they will love footing that bill with the measily little 4k you paid them...I think they might have to add another 96k to that!

Insurance is about the 'risk' you pose

Most claims are done by young drivers FACT
A boat load of those claims are in specific young driver type cars FACT

Premiums have always been high for young drivers and its not just the car you have that influences the price....they also consider

Age
Postcode
Driving Experience
No claims
Any penalty points

Insurance prices are calculated on a risk/benefit factor.
Companies are there to make money, lets face it

If they give you a £500 premium at 17 on a boy racer type car and you have no driving experience.....even writing off your own car will mean they lose money

Thats not to mention what you crash into...a lampost for example will cost the insurance company like £300!!

I am not sticking up for them but you have to see why prices are expensive
By fronting (and making your premium void), either your company may refuse to pay out or if you hit someone else, thier company will have to foor the bill

Guess how pissed off a company will be if they have to pay for a 2 car write off that wasn't thier clients fault, just because the other party had void insurance??

If the insurance companies get say 60% of claims for 17-21 year old drivers, of which 10% of those are saxo claims, whos insurance do you think will be a shit load higher......the 17 year old in the VTR or the 25 year old in the Golf???
Its all about the risk YOU pose

[LSOfreak]

Originally Posted by devilsadvocate

Insurance is not just about the value of your car
Sure, if you smash into a tree they will just have to front out 1k to you

If you crash into a Aston Martin and write that off, im sure they will love footing that bill with the measily little 4k you paid them...I think they might have to add another 96k to that!

Insurance is about the 'risk' you pose

Most claims are done by young drivers FACT
A boat load of those claims are in specific young driver type cars FACT

Premiums have always been high for young drivers and its not just the car you have that influences the price....they also consider

Age
Postcode
Driving Experience
No claims
Any penalty points

Insurance prices are calculated on a risk/benefit factor.
Companies are there to make money, lets face it

If they give you a £500 premium at 17 on a boy racer type car and you have no driving experience.....even writing off your own car will mean they lose money

Thats not to mention what you crash into...a lampost for example will cost the insurance company like £300!!

I am not sticking up for them but you have to see why prices are expensive
By fronting (and making your premium void), either your company may refuse to pay out or if you hit someone else, thier company will have to foor the bill

Guess how pissed off a company will be if they have to pay for a 2 car write off that wasn't thier clients fault, just because the other party had void insurance??

If the insurance companies get say 60% of claims for 17-21 year old drivers, of which 10% of those are saxo claims, whos insurance do you think will be a shit load higher......the 17 year old in the VTR or the 25 year old in the Golf???
Its all about the risk YOU pose

your talking out your arse a bit mate. IT DOES NOT MAKE IT VOID. What if the person fronting said 'yeah i only drive 3000 miles a year for social, domestic and pleasure'. The insurance company cant prove sweet FA

When my brother was a 17 year old named driver he claimed 3 times! and everytime got a payout.

[devilsadvocate]

Originally Posted by LSOfreak

your talking out your arse a bit mate. IT DOES NOT MAKE IT VOID. What if the person fronting said 'yeah i only drive 3000 miles a year for social, domestic and pleasure'. The insurance company cant prove sweet FA

When my brother was a 17 year old named driver he claimed 3 times! and everytime got a payout.

IT DOES MAKE IT VOID
If you LIE on your insurance policy, it is void
Just because you 'may' noy get found out, doesn't mean it's not illegal

Your brother is a dick then, fronting is bad enough but having to claim THREE times....maybe he is a danger on the road, espcially if they are own fault claims!!

I have never claimed, have three years no claims and I pay £440 per month as I am deemed a lower risk than a 17 year old with no driving experience

[LSOfreak]

Originally Posted by devilsadvocate

IT DOES MAKE IT VOID
If you LIE on your insurance policy, it is void
Just because you 'may' noy get found out, doesn't mean it's not illegal

Your brother is a dick then, fronting is bad enough but having to claim THREE times....maybe he is a danger on the road, espcially if they are own fault claims!!

I have never claimed, have three years no claims and I pay £440 per month as I am deemed a lower risk than a 17 year old with no driving experience

its not like they have a lie detector on the other end of the phone is it you daft prick!
For all they know the policyholder does drive the car more.
So then how does that make a guy, which you've never met a dick? are you just referring to all named drivers as 'dicks' now? Becuase thats quite a large population of people.
One accident was his fault, 2 were the other peoples. You cant just assume he's a danger to be on the road. Just shows how your mind works really doesn't it

What do you want a pat on the head for having 3 years no claims?

[mlawlan69]

Originally Posted by LSOfreak

your talking out your arse a bit mate. IT DOES NOT MAKE IT VOID. What if the person fronting said 'yeah i only drive 3000 miles a year for social, domestic and pleasure'. The insurance company cant prove sweet FA

When my brother was a 17 year old named driver he claimed 3 times! and everytime got a payout.

tell your brother to learn to drive then, fuck it, make him resit his test, was clearly a fluke !

if i was the insurance company and you kept claiming off me because your clearly driving like a knob then i would have to increase everyone else's premium to counter balance this.

it's really harsh the way the world works, but unfortunately it's the type of shit we live in, in this day and age anyway.

i believe everyone should have a band, much like tax, starting of whereby you pay £x for the car you drive and age, 1NCB it goes down, 2NCB it goes further down...almost an incentive to drive sensibly i guess...

[_-john-_]

Originally Posted by mlawlan69

i believe everyone should have a band, much like tax, starting of whereby you pay £x for the car you drive and age, 1NCB it goes down, 2NCB it goes further down...almost an incentive to drive sensibly i guess...

Haha, so you mean the way insurance works now?

[gazwhittle]

and if you front your insurance it doesnt have ay benefits for you as your still on 0 ncd and thus still paying shit loads for insurance.

being skint for a year and getting that no claims will be better in the long run and will make your insurance cheaper in the future (if you dont make a claim oviously)

[LSOfreak]

when i was a named driver at 17 i got my 1year NCB to pass on to the next year when i started on my own policy

[BazzaC]

Interesting read for you...

http://www.lovemoney.com/news/get-th...rer-10449.aspx

"Yet at the same time, insurers are doing more than ever before to crack down on insurance fraud. In 2009, the Association of British Insurers (ABI) says that insurers exposed 2,300 fraudulent claims every week.

If you get caught, then you can lose out on your insurance payout and even be prosecuted for fraud, which can mean years behind bars."

And some people wonder why insurance prices are rising?

On the fronting matter...

I work in an insurance broker and whenever there is a claim for a young driver (someone who just passed their test) on a parents policy, the insurance company always focuses on what use of the vehicle the named driver has.

For example, if the named driver has a claim whilst on the way to work, chances are they drive to work everyday, this would be something that an insurer would investigate.

Obviously it would be very hard to prove, but somehow if they did manage to prove it and decided not to pay out, you then have a voided insurance policy. Then you get convictions for driving without insurance etc...

I can see why people do it though, but then if you are getting a 4k quotes, try different insurers, phone them direct rather than using crappy comparison websites, chances are that the comparison website is just an indication of premium and they will be able to beat it anyway. Add named drivers to your policy, like parents etc, even if they dont drive your vehicle it should reduce the premium.

[Chuffy]

I was just frontin'!

[LeeM]

some people dont have a grand spare but they need ot get to work, should they just not bother with insurance? its essentially the same thing.
anyoen whos down as a named driver but is in fact the main driver check out your policy documents, it will state very clearly that if the named driver is found to be using the car more than the main drievr the policy will be voided.

i work in claim recovery and have had policies voided for fronting, leaving my company out of pocket and my client with a claim on their policy. resulting in the tedious litigation proceedure of taking a young driver who clearly cant afford to pay us back and getting a £25/month repayment. great fun

[Manu]

I know a guy who got done last year for drink driving (got suspended 1 year) and just started driving again. Fronted it without declaring his drink drive offence. He pays only £250 on a clio 1.2 ; I told him it was quite illegal, he replied something like fuck paying more than that. Not much I can do apart from rolling my eyes till they reach the back of my skull really.

[claretfan]

the way round fronting for young drivers could be:

get parent to pay for an insurance policy in your name and pay the parent back.

(or in my circumstances, parent brought me my first year car insurance under my name).

i know so many people who "front".

[jw1325]

meh - people do it. a ranting post isnt gonna stop it.

i did everything the right way. although i was helped out by Quinns 'drive anything 3rd party' for a while with the GTi. HELPED is all, mum still owned/ insured/ drove it.

now im almost 21, and will have 4 years no claims in february, and 3 and a half years driving experience.

aaahhh its good being able to insure Evos for just over a grand at 20!

[Chr15]

Originally Posted by jw1325

aaahhh its good being able to insure Evos for just over a grand at 20!

the fact you have no dick helps too. the only benefit of being female

[jw1325]

Originally Posted by Chr15

the fact you have no dick helps too. the only benefit of being female

that and getting into clubs for free when we go anywhere.... lol

[KamRacing]

having taught a few people to drive and been as a passenger with newly passed drivers, its justified that new drivers should pay more. Some driving is simply scary and personally I dont think the driving test is a high enough standard. Heck i know what I was like at 18. I wrote off my first car too but I know in hindsight that I drove beyond my skill.
The question is how much should you pay!
Young drivers are going to be in part time or low income jobs and therefore £4-5k a year is an extortionate sum - they dont want to pay all their money to an insurance company. But it needs to be enough to cover the insurance costs of damage to other vehicles - most newer cars which are now more expensive to repair compared to older more basic bodywork designs. Its catch 22...
Some of this can be alleviated by not buying hot hatches or cars popular with young drivers and therefore crashed a lot but as a new driver you want to have a cool /popular car to show off to your peers.
The only solution is to save and get a boring volvo..pimp it out and cruise

Kev