Fronting....my opinion on it!

[steve27]

Originally Posted by SaxSpeed

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

who't that with man?

[SaxSpeed]

Originally Posted by steve27

who't that with man?

Elephant lol

[Packham]

I'm with Admiral and somehow it worked out a few quid cheaper to have the policy in my name with my mum and dad as named drivers, than it did for it to be in my mums name with me and my dad as named drivers. Dunno how cos I am 18 with no ncb

[devilsadvocate]

Originally Posted by Packham

I'm with Admiral and somehow it worked out a few quid cheaper to have the policy in my name with my mum and dad as named drivers, than it did for it to be in my mums name with me and my dad as named drivers. Dunno how cos I am 18 with no ncb

Insurance companies are trying to crack down on fronting so increase the price to be more expensive than if you were not fronting.

Good on em I say

However they do need to reduce the price of insurance for young drivers so something realistic

[Packham]

Originally Posted by devilsadvocate

Insurance companies are trying to crack down on fronting so increase the price to be more expensive than if you were not fronting.

Good on em I say

However they do need to reduce the price of insurance for young drivers so something realistic

Yep I'm glad there doing it tbh, cos I can start to build up my ncb

[Ryan1992]

To be honest i agree with the main post to a certain extent.

Sure, Fronting could save me a hell of alot of money,
i passed my test in August last year and i've been driving a 1.0L spree since then on £2,600 a year which i finally got after a good 3 weeks asking almost every insurance company, i'm in a good area and everything so i cant see how an insurance company can charge that sort of amount of money with something that can barely get to the speed limit.

I can see from my situation how tempting it is to be fronting but i would rather just wait a year or two and then get myself something a little faster.
I think its a little absent minded though for people to say "if you cant afford it then you shouldn't be driving".

Luckily, i'm working full time so i can afford my insurance, although for someone working on a small wage, it can be a serious issue.

Also.. Does anyone think that insurance companies seem to just pull random figures out of the air when someone gets a quote? I know this isn't to do with fronting, but when i hear about someone who has just passed thier test and they are on £1,400 a year for a 1.4, and then someone in exactly the same situation but paying £4,000+ on a 1.1 i find it a little hard to believe that the companies actually have a legitimate system they have to work out insurance. Just thought i'd mention that.

[Scott_Sz]

Never paid more than a grand for insurance, never fronted it either. My younger brother pisses me off though. Pays 700 a year for insurance on a 1.4 Megane 16v

[Scott_Sz]

Originally Posted by Ryan1992

To be honest i agree with the main post to a certain extent.

Sure, Fronting could save me a hell of alot of money,
i passed my test in August last year and i've been driving a 1.0L spree since then on £2,600 a year which i finally got after a good 3 weeks asking almost every insurance company, i'm in a good area and everything so i cant see how an insurance company can charge that sort of amount of money with something that can barely get to the speed limit.

I can see from my situation how tempting it is to be fronting but i would rather just wait a year or two and then get myself something a little faster.
I think its a little absent minded though for people to say "if you cant afford it then you shouldn't be driving".

Luckily, i'm working full time so i can afford my insurance, although for someone working on a small wage, it can be a serious issue.

Also.. Does anyone think that insurance companies seem to just pull random figures out of the air when someone gets a quote? I know this isn't to do with fronting, but when i hear about someone who has just passed thier test and they are on £1,400 a year for a 1.4, and then someone in exactly the same situation but paying £4,000+ on a 1.1 i find it a little hard to believe that the companies actually have a legitimate system they have to work out insurance. Just thought i'd mention that.

I also wonder about this, I also wonder how insurance companies can get away with charging £7,000 for high powered cars for young drivers. Surely there can be no market for 18 years olds with a spare 7 grand?

[Ryan1992]

Thats a good point actually, never thought about that myself!
Maybe someone is really willing to pay 7K for a high powered car?
God knows.

[Matt67]

Originally Posted by Ryan1992

Thats a good point actually, never thought about that myself!
Maybe someone is really willing to pay 7K for a high powered car?
God knows.

They price themselves out of the market, they don't want the business.

[outrage_uk]

Originally Posted by Ryan1992

To be honest i agree with the main post to a certain extent.

On what basis? It just sounds like your over-paying for insurance, which you could have possibly halved? Nothing you have said really justifies paying more than £50 a week for insurance surely?

Originally Posted by Ryan1992

I can see from my situation how tempting it is to be fronting but i would rather just wait a year or two and then get myself something a little faster.

The 'young drivers' spectrum is widening to 25, so don't think you will get 'something faster', cheap on insurance for a number of years yet. It may possibly cost you more, after all, if they look at your profile - and you are willing to pay £2600 at 18/19 (im guessing with your name?), then why shouldn't they charge £1500 at 22 for 'something faster'?

[devilsadvocate]

Originally Posted by outrage_uk

The 'young drivers' spectrum is widening to 25, so don't think you will get 'something faster', cheap on insurance for a number of years yet. It may possibly cost you more, after all, if they look at your profile - and you are willing to pay £2600 at 18/19 (im guessing with your name?), then why shouldn't they charge £1500 at 22 for 'something faster'?

No claims makes a massive difference and you cannot earn that whilst fronting (unless with direct line but thats another matter)

I am not 25 but do have 3 years no claims and can insure group 20 cars (old money) for less than £1500 fully comp

I think people just have to realise that insurance is going to be expensive for young drivers, there was a thread recently whereby 1 in 2 drivers had crashed in thier first 2 years.......and people wonder why insurance companies charge a lot!?!?!

I agree that the randomness needs to be regulated so that prices are more similar amongst companies and the prices come down for first time drivers.
The risk 17 year old drivers pose on the road is huge so personally I think they shouldnt be paying any less than £1500 for the first insurance.

[Proffitt]

Originally Posted by devilsadvocate

No claims makes a massive difference and you cannot earn that whilst fronting (unless with direct line but thats another matter)

I am not 25 but do have 3 years no claims and can insure group 20 cars (old money) for less than £1500 fully comp

Im in the same boat mate, ive just recently turned 21, got my 3 years NCB and 4 years driving experience and WOW what a difference it's made

While bored in work yesterday i got some quotes on:

VW Golf mk4 R32 - 3.2 v6
Ford Focus ST-3 - 2.5 Turbo
Astra VXR - 2.0 Turbo

They all were below £1500

The one that shocked me the ost was a Ford Focus RS - 2.0 Turbo and that was £1000

[wadoryu]

in the end you just gotta put up with it.
with 0 no claims 1800
with 1 years no claims 1100
next year 680 with 2 years.
all fully comp on a 1.1
if you can't affords it then that's it. you need insurance. buy it

my tips are.
garage
reduce miles 5000 max
maximes excess
reduce the value your car is worth.

[devilsadvocate]

Originally Posted by Proffitt

Im in the same boat mate, ive just recently turned 21, got my 3 years NCB and 4 years driving experience and WOW what a difference it's made

While bored in work yesterday i got some quotes on:

VW Golf mk4 R32 - 3.2 v6
Ford Focus ST-3 - 2.5 Turbo
Astra VXR - 2.0 Turbo

They all were below £1500

The one that shocked me the ost was a Ford Focus RS - 2.0 Turbo and that was £1000

Yep, people can bang on about fronting as much as they like but no claims bonus will reduce your premium drastically even when you are under 25

Insurance companies are cracking down on fronting anyway so I suspect it will be a thing of the past soon.

[rey]

Wadoryu, those tips aren't great tbh.

Driveway comes back cheaper for a lot of people, some people do 400 miles in a week, not a month.

Also with regards to excess, and lowering value, unless you're minted, if your car gets written off you'll lose out big time! Especially by the time you add compulsory and voluntary excesses together!

[outrage_uk]

Originally Posted by devilsadvocate

Yep, people can bang on about fronting as much as they like but no claims bonus will reduce your premium drastically even when you are under 25

Insurance companies are cracking down on fronting anyway so I suspect it will be a thing of the past soon.

I could say the same to be honest.. people bang on about NCD all they want, but it's the age of the main driver that will reduce your premium at the end of the day.

Your right though, most companies now seem to be charging thousands for a policy with a young driver on regardless if they're the 'main' driver or not.

The main thing to change if you want cheaper insurance is the car. The saxo is generally a young persons car, and as such is involved in more accidents / claims / total losses, so they will rape you anyway, doesn't matter what group it's in - it's got a bad name.

[Proffitt]

Originally Posted by outrage_uk

The main thing to change if you want cheaper insurance is the car. The saxo is generally a young persons car, and as such is involved in more accidents / claims / total losses, so they will rape you anyway, doesn't matter what group it's in - it's got a bad name.

Spot on. Although NCB has helped A LOT.

Post codes are a main issue, you can't help where you live really and that's where most of the quote comes from.

[Meto]

Originally Posted by Proffitt

Spot on. Although NCB has helped A LOT.

Post codes are a main issue, you can't help where you live really and that's where most of the quote comes from.

+1,000,000,000. It all hinges on the postcode. It's the reason why I haven't got a gti, but still have a 1.1.

[EvoSax]

Sorry... no offense ... but all them crying people, who saying ... u all are idiots ect.ect because u not telling the truth who is main driver ect. ect. that is because... u are all jealous because u cant do it or u missed to do it ! sorry, thats mine opinion .... and stop moaning ... get on how it is thats the LIFE
Someone was mentioning public transport ... would u like to use it ? its everything overcrowded ... u waiting hours and hours ... u traveling months just to get a stupid mile or three I used to live in dunstable for a month and i was traveling to london nearly every day .... and u know what? better i will say im second driver bla bla bla... but i not gonna pay a fortune for my car insurance when car cost a stupid grand or two and insurance is 3 or 4 times more then actual car , or sit in the f**ing bus for one hour to get up to 3 miles to the f***ing train station and then, nearly another hour sit in the train ... LOL ... i just remember my firs insurance quote for a rover coupe 2.0 n/a ... and i thinking .... be happy, that u not living in Northern Ireland
but as everyone says .... we have different opinions on everything