Fronting....my opinion on it!

[dougal280]

last september when i got my 1.5 diesel 106 , i was 1400 tpft. This year im a grand on a 1.4 westie fully comp, guaranteed hire car etc etc. I disagree with people who look on go compare, see a 4 grand quote and shit themselves. cheapest i couldfind on them stupid fuckin websites was like 2000 fully comp, but fuck them , go to private companies( direct line ) because theyre tellin the truth when they say there cheaper for not being on go compare etc. its all a shame for lazy mugs who will pay there fees ontop of their premium.

my advice, if you need to get a 1.5 diesel to get a years ncbunder your belt then so be it, im more than hapopy with my premium and my car for that matter now!

[CHIP]

Direct Line's never been cheap for me, but it is worth trying companies rather than just Go Compare. Although 9 times out of 10, Go Compare is cheaper for me.

[rey]

Comparison sites are never cheap for me.

I always go direct, takes more time, but it's worth it for the savings.

[Viper]

IMO if you cant afford it then dont do it. Get a slower/cheaper car to get a cheaper premium. Don't just void a policy

[blackie_2k5]

Originally Posted by CHIP

Direct Line's never been cheap for me, but it is worth trying companies rather than just Go Compare. Although 9 times out of 10, Go Compare is cheaper for me.

compare the market is always cheapest for me, gocompare is always expensive i think the price of comparison sites depends on where in the country you live tbh

[JDub]

Or you could use a broker, I used Adrian Flux for mine (I'm 17 and I got mine at 1,300) and comparison quotes came out at £2800+

[LSOfreak]

you cant be that narrowminded to say 'if you cant afford insurance on your own then take a bus'. Only a complete mug would do that 'just to be completely 100% safe. Put yourself in this scenario - 17, just passed your test, insurance is 4k on your own or 1500 say as a named driver. Lets be honest, you'd have to be a bit of a muppet to happily settle to take a bus

i dont think its as bad as people are making out to be a named driver for the first year or two tbh. seeing as how ridiculous insurance prices are becoming these days it seems like the only option people are going for. only problem with it is that usually you dont get a No claims bonus at the end of the year unless you can find a company which does offer the named driver NCB. i was a named driver in my first year, so was my brother. he had 3 claims and never had a problem with insurance. As they simply cant prove who drives the car more.

If you can get away with it then why not i'd say. saves you thousands, if it was so illegal then why would they still offer it, and also its wrong when people say 'your not insured'- so then what are you paying for then? thin air?

[CHIP]

Originally Posted by LSOfreak

you cant be that narrowminded to say 'if you cant afford insurance on your own then take a bus'. Only a complete mug would do that 'just to be completely 100% safe. Put yourself in this scenario - 17, just passed your test, insurance is 4k on your own or 1500 say as a named driver. Lets be honest, you'd have to be a bit of a muppet to happily settle to take a bus

RS125? Moped? Still decent transport. Fuck what people think about moped's.

I get what you're saying though.

[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.

[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

[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

[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.