Fronting....my opinion on it!

[saxostuart]

Originally Posted by -Jason-

They will also send people out to watch the car to see who drives it more as well as looking at things inside the car to give an idea to who the main driver is and can quiz the people who are down to drive the car.

this is a load of balls

[CEdwards]

Originally Posted by _Rob

Not a standard vts, though there not far off, I'm saying 182/172s are well overrated. Cammed vts' dominate 172s all day long...and clios are girls cars everyone knows that

as said above, a cammed VTS vs a cammed 172 = 172 all day long. And since when a 172 is a girls car? its a car that a lot of lads would love to have!

[_-john-_]

CBA reading the whole thread but here's my 2 pence worth.

This is yet another sign that the government seriously needs to overhaul the policies on motoring. Expecting people to pay insane amount of tax on petrol, on top of road tax, on top of insurance (which is also taxed) on top of MOT as well, is beyond unrealistic in most situations.

Public transport is indeed an option, but the disgusting, messy state of most forms of transport is unbearable to most, as is the constant lateness and the expense of it (it really doesn't work out THAT much more expensive to own a car than it does to get the tube/train/bus etc)

This country is run on internal commerce, this means vehicles having to be used by near enough everyone, while not every 17 year old needs to have a vts (I think it's too much for them, fact) I think it's everyone's right to own a vehicle and be able to use it without having to jump through grey area loop holes to achieve affordable motoring.

I believe that a state induced 3rd party insurance should be issued with a driving license that is somehow reviewed on an annual basis. This would make motoring far safer and create an overall legality for everyone. There are knocking on 3 million uninsured drivers in the UK, while this doesn't make them any more a dangerous driver (you could argue it'd make them safer if anything!) they should be stopped. I've been guilty of it in the past and it's something I regret and will never go back to again.

Reform is needed, the way it's going simply can't continue.

[_-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?

[devilsadvocate]

To be honest, I think the idea of restricting what young people can drive is a great idea

For example, 17/18 year olds can only drive anything upto a 1.2
19/20 anything upto 1.4
20/21 anything upto 1.6
22+ anything

I know this would never work properly in reality but it works for motorbikes so the concept should work for cars too

A 17 year old does not need a VTR/VTS
Any 17 year old complaining that a VTR is costing them too much to insure needs to jog on, get a smaller car then

[_-john-_]

Agreed. I had a vts at 21, I could afford to run and insure it though, never been a bellend driver. But yeah, reform...bring in tighter regulations that will give the government a right to put tighter restrictions on what insurance companies can charge, it's just pathetically expensive at the moment.

[Proffitt]

Originally Posted by devilsadvocate

To be honest, I think the idea of restricting what young people can drive is a great idea

For example, 17/18 year olds can only drive anything upto a 1.2
19/20 anything upto 1.4
20/21 anything upto 1.6
22+ anything

I would be fucked then

when i was 17 i had: 1.9 / 1.4
18: 1.6 / 1.6
19: 1.8 turbo
20: 1.6 / 1.8 turbo / 2.0

Although i kinda think its a good idea, i also think it will most defo bump up the amount of people doing engine conversions...then getting caught....then insurance will be raised yet again and so on and so

[_-john-_]

Originally Posted by Proffitt

I would be fucked then

when i was 17 i had: 1.9 / 1.4
18: 1.6 / 1.6
19: 1.8 turbo
20: 1.6 / 1.8 turbo / 2.0

Although i kinda think its a good idea, i also think it will most defo bump up the amount of people doing engine conversions...then getting caught....then insurance will be raised yet again and so on and so

Manufacturer standard engine checks should be carried out at MOT/more frequent intervals in that case, to stop people swapping stuff over. For every problem there's a solution.

[SAM-S44MDS-]

Originally Posted by _-john-_

Manufacturer standard engine checks should be carried out at MOT/more frequent intervals in that case, to stop people swapping stuff over. For every problem there's a solution.

And for every solution, there is a way round it You will then just get more knobs driving with no MOT, tax & insurance and be worse off than now. We are never going to win.

Point is the price is what it is for a reason. At 17 you should be driving a 1.1 as a first car and getting used to the roads, driving etc as you are ALWAYS learning. If you want a vtr/s then you have to be prepared to pay. Dont moan if you cant afford it, just buy something you can afford

[_-john-_]

Originally Posted by SAM-S44MDS-

And for every solution, there is a way round it You will then just get more knobs driving with no MOT, tax & insurance and be worse off than now. We are never going to win.

Point is the price is what it is for a reason. At 17 you should be driving a 1.1 as a first car and getting used to the roads, driving etc as you are ALWAYS learning. If you want a vtr/s then you have to be prepared to pay. Dont moan if you cant afford it, just buy something you can afford

Don't think it's necessarily fair for a 17 year old to be paying nearly £2000 on a 1.1 though, that's simply the insurance companies capitolising on the fact someones a young driver. It doesn't necessarily mean they're going to be a whopper and wrap it round a tree at 200mph.

If MOT's and Insurance avoiding individuals are an issue, more stringent measures should be taken to read number plates, the technology is readily available.

[SAM-S44MDS-]

Originally Posted by _-john-_

Don't think it's necessarily fair for a 17 year old to be paying nearly £2000 on a 1.1 though, that's simply the insurance companies capitolising on the fact someones a young driver. It doesn't necessarily mean they're going to be a whopper and wrap it round a tree at 200mph.

If MOT's and Insurance avoiding individuals are an issue, more stringent measures should be taken to read number plates, the technology is readily available.

This is what im sayin though. If all the kids didnt buy saxos and smash them up in the first place by trying to be colin mcrae or lewis hamilton, prices wouldnt be too high. Im not saying EVERY saxo driver drives like a dick, but alot of the younger ones do.

[Proffitt]

Sam is right - For every solution they bring out there will be some sort of a way around it!

john - No it's not fair someone at 17 paying £2000 on a 1.1 saxo but thats how it is now a days and thats the sad thing.

Hey...everyone should just be named drivers on their parents policy, that'll be cheaper right?

[Mango_Wes]

I payed £2200 for my 1.1

Got my one years, now I have a VTS, My parents are added to my policy which is 100% legal.

I am the main driver and my parents are additional.

I am also the registered car owner.

I would love my payout if the worst ever happens.

[steve27]

To the OP...

I don't actually own a VTR yet but I will do within a week or so.
I've done various quotes and the best I've got is £992PA.
I am 20 years old, listed as the owner & main driver, no NCB but 2 and a half years driving experience & no claims etc.
But I have put my Girlfriend's Mum on the policy, I live with my Girlfriend at her mum's so we're both listed at the same address but she will rarely if at all drive the car...
I did it because it made a financial difference to my premium.

Is this considered fronting? I want my insurance to be valid but ideally I don't want to pay through the nose. I've insured cars entirely in my own name before with smaller engines for a similar price....

[SAM-S44MDS-]

If its your policy, but her mum is just on it then thats fine.

The only issue is whens its someone elses policy, your on it, but you use it most

[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

[SaxSpeed]

Originally Posted by steve27

To the OP...

I don't actually own a VTR yet but I will do within a week or so.
I've done various quotes and the best I've got is £992PA.
I am 20 years old, listed as the owner & main driver, no NCB but 2 and a half years driving experience & no claims etc.
But I have put my Girlfriend's Mum on the policy, I live with my Girlfriend at her mum's so we're both listed at the same address but she will rarely if at all drive the car...
I did it because it made a financial difference to my premium.

Is this considered fronting? I want my insurance to be valid but ideally I don't want to pay through the nose. I've insured cars entirely in my own name before with smaller engines for a similar price....

same as me same age, ncb, driving exp. but im on 800 lol

[_-john-_]

Originally Posted by SaxSpeed

same as me same age, ncb, driving exp. but im on 800 lol

Location, location, location....

[_-john-_]

Maybe similar policies to CBT should be enforced then, legality to wear a badge informing joe public you're a brand new driver, engine and bhp limitations, limited to main roads for 6 months, dual carriageways/motorways after that maybe (dependant on feasibility)....I definitely think it all needs changing.

[outrage_uk]

Originally Posted by Proffitt

Hey...everyone should just be named drivers on their parents policy, that'll be cheaper right?

The issue comes when people have been ripped off and lost thousands because of it. People don't like to admit that they have been taken for a mug - its bad enough if you buy something and find it cheaper somewhere else - but to give thousands of pounds for absolutely nothing when you realise you could have got it 70% cheaper is a hard one to swallow. For those who have been ripped off doing insurance in their own name - they hate to admit they could have done cheaper they chose to.

Cheaper insurance for young drivers - 'Fronting' - And my opinions in favour of it..

Originally Posted by steve27

Is this considered fronting? I want my insurance to be valid but ideally I don't want to pay through the nose. I've insured cars entirely in my own name before with smaller engines for a similar price....

In my opinion (to be proven by a prosecutor for an insurance company at Court), adding older, named drivers on to a policy in your own name is exactly the same as 'fronting'. The premium is worked out based on risks (ie the older driver will be driving, therefore there is a lower chance of you, the high risk driver, having a accident). By adding a named driver that you knowingly will never drive, you are lying in order to reduce the price. (Not that I personally disagree with that)