Fronting....my opinion on it!

[devilsadvocate]

Originally Posted by 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

Dude, type a sentence every once in a while

Fronting is a risk, young people are inexperienced and generally naive so if someone says 'put your parents as the policyholder, it lowers the price' they are going to do this without looking at what it actually means.

If you get away with it, good for you.
If you have to claim, the insurance company are going to ask questions

'So Mr Smith, your 48 year old mother is the main driver of your Saxo VTS and drives her BMW as a second car.....is that correct?'

Insurance companies are not stupid, they know all the tricks and ways to make the premium lower, hence why they have started increasing premium prices for people wanting to front to be more expensive than if they had thier own premium.

[Manu]

wow, atrocious spelling and abuse of smilies. Speaks volumes about intellectual capacities and the ability to understand why you should not front

[DundeeUnited]

Originally Posted by 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

best comment yet!

[LSOfreak]

Originally Posted by devilsadvocate

Dude, type a sentence every once in a while

Fronting is a risk, young people are inexperienced and generally naive so if someone says 'put your parents as the policyholder, it lowers the price' they are going to do this without looking at what it actually means.

If you get away with it, good for you.
If you have to claim, the insurance company are going to ask questions
'So Mr Smith, your 48 year old mother is the main driver of your Saxo VTS and drives her BMW as a second car.....is that correct?'

Insurance companies are not stupid, they know all the tricks and ways to make the premium lower, hence why they have started increasing premium prices for people wanting to front to be more expensive than if they had thier own premium.

not always

[outrage_uk]

I like how most people that are against 'fronting' in this forum openly admit to, and encourage adding parents as named drivers, lowering the mileage, changing where you keep the car on a night, not declaring everything you have done to the car - in order to reduce the annual premium.

Basically, in an ideal world, you should tell the truth about everything, and pay whatever it costs. In reality, this is just not an option for most people who choose to not pay over the odds for what are already extortionate prices.

A thread like this will always create a big response, as people who have paid over the odds over the years, and chose to not get a cheaper premium, feel like they have a right to speak out and encourage everyone else to do the same.

Where as a thread like mine, admitting to 'fronting' and been happy doing so, less people are willing to speak out in favour of it. At the end of the day, its the individuals choice how they get insured, although I completely disagree with people saying that 'fronting' increases everyone else's cost, or means you are effectively driving without insurance - this is total rubbish.

[EvoSax]

Originally Posted by devilsadvocate

Dude, type a sentence every once in a while

Fronting is a risk, young people are inexperienced and generally naive so if someone says 'put your parents as the policyholder, it lowers the price' they are going to do this without looking at what it actually means.

If you get away with it, good for you.
If you have to claim, the insurance company are going to ask questions

'So Mr Smith, your 48 year old mother is the main driver of your Saxo VTS and drives her BMW as a second car.....is that correct?'

Insurance companies are not stupid, they know all the tricks and ways to make the premium lower, hence why they have started increasing premium prices for people wanting to front to be more expensive than if they had thier own premium.

No, imy mother just drives my saxo when she wants and drives bmw when she wants... if today is lovely day - bmw , if raining - saxo, etc.etc.etc ...
Oh... and .... u are wrong .... not only young drivers are like this ... and old drivers are like this ... ... and yes ... fronting is a risk ... but ... life is a risk as well ... . And ... for insurance company say, that prices is so sky high because young drivers has lack of experience - bullshit all prices going up ... plus ... its like emmm.... how to explain... let me put like this ... If u want a car , u need insurance, ok ... we will put price like this .... its to expensive ? well ... buy another car ... u dont want another car ? well ... pay me this money .... i think, insurance company will put sky high prices on the car becouse she is something like a hot hatch bla bla bla .... we all want it ... we will pay this prices and insurance ocmpany gonna make fortune on this well... something like this ... ok.... age does matter, but not so much ... post code probably more ... and them NCB .... yes, they making difference , but ... its more like a "place to hide lies about sky high prices " ... and yes .... its to count drivers who not making crashes .... . But because , some people are more clever then other people, they trying different things ... such as second driver ... . Way we must pay a 3-4k for 1.1 saxo ? why ? does make any sense for u ? Pleas, dont tell me that is because many people drivng fast with them .... its not excuse ... u know... if i like speed and i love saxo... i will drive fast all the time ... if i buy audi - i will fly again, i will buy skyline - i will b flying again and again and again ... u know what i mean ? Some people buying them cars because they look cool and ... because they cant afford to buy something like evo, subaru etc. etc. etc. ... if evo`s would be cheaper then pack of crisps ... evo prices would b space high people in insurance company are not idiots... they know how make money, so thats what they are doing ... . And its not our fault ...
P.s why womens getting cheaper insurance ? because they making less crashes ... yes .... could b the truth ... but for goodness sake, look how 90% of womens driving ... useless .... like blacks and old people ... but still ... price is less .

P.p.s .. if u put on your insurance women driver - again - cheaper when only u

[devilsadvocate]

Originally Posted by EvoSax

No, imy mother just drives my saxo when she wants and drives bmw when she wants... if today is lovely day - bmw , if raining - saxo, etc.etc.etc ...
Oh... and .... u are wrong .... not only young drivers are like this ... and old drivers are like this ... ... and yes ... fronting is a risk ... but ... life is a risk as well ... . And ... for insurance company say, that prices is so sky high because young drivers has lack of experience - bullshit all prices going up ... plus ... its like emmm.... how to explain... let me put like this ... If u want a car , u need insurance, ok ... we will put price like this .... its to expensive ? well ... buy another car ... u dont want another car ? well ... pay me this money .... i think, insurance company will put sky high prices on the car becouse she is something like a hot hatch bla bla bla .... we all want it ... we will pay this prices and insurance ocmpany gonna make fortune on this well... something like this ... ok.... age does matter, but not so much ... post code probably more ... and them NCB .... yes, they making difference , but ... its more like a "place to hide lies about sky high prices " ... and yes .... its to count drivers who not making crashes .... . But because , some people are more clever then other people, they trying different things ... such as second driver ... . Way we must pay a 3-4k for 1.1 saxo ? why ? does make any sense for u ? Pleas, dont tell me that is because many people drivng fast with them .... its not excuse ... u know... if i like speed and i love saxo... i will drive fast all the time ... if i buy audi - i will fly again, i will buy skyline - i will b flying again and again and again ... u know what i mean ? Some people buying them cars because they look cool and ... because they cant afford to buy something like evo, subaru etc. etc. etc. ... if evo`s would be cheaper then pack of crisps ... evo prices would b space high people in insurance company are not idiots... they know how make money, so thats what they are doing ... . And its not our fault ...
P.s why womens getting cheaper insurance ? because they making less crashes ... yes .... could b the truth ... but for goodness sake, look how 90% of womens driving ... useless .... like blacks and old people ... but still ... price is less .

P.p.s .. if u put on your insurance women driver - again - cheaper when only u

Fucking hell, seriously....learn to write in propper sentences or don't bother replying on my thread ffs
That gave me a headache just skim reading it!

Younger drivers are statistically more likely to have an accident.....FACT

Younger drivers will always pay more for insurance because they are inexperienced and a higher risk on the road....again FACT

Fronting is a risk and you 'could' get screwed if you need to claim, not a risk worth taking in my opinion

Provide me with proof (as in actual evidence) that I am wrong if you are so sure?

Why are you driving a 1.1 at age 26 btw?

[EvoSax]

im driving 1.1 saxo because i dont need pay for insurance ... my workplace is paying ...
btw ... im not British/Irish ... so for me is very hard to write in your language ...
p.s is one good saying : if u dont understand - ask

[EvoSax]

yes ... young drivers are more dangerous on the road ... but think like this ...
i passed my driving test and got my license ... i did not drive a car for ages ... till im turned 27 .... and i got for my 27 birthday nice present - CAR ... then i got my insurance witch is cheaper when i was 17-18 or 19 .... but still ... i dont know how to drive that thing with steering wheel ,3 pedals , gear leaver and handbrake ... does it makes me less dangerous on the road ?

[Manu]

Originally Posted by EvoSax

too long didn't read (please learn punctuation, grammar, syntax, etc...)

[dougieph2]

after reading some of that, i feel kinda lucky tbh.. my first car was a 1.2 clio, which i paid £1400 a year on, then i had a vtr when i was 18 and i paid £1100 on that and then at 19 i got my crx with everything declared, import, engine change, mods and i was paying £975.. i then got 6 points last year and my insurance still came down to £920..

i do really feel sorry for people who pay like 2 grand to insure 1.1's etc.. but its normally your first year driving thats a pain.. as long as you behave then it only gets cheaper

[LSOfreak]

Originally Posted by outrage_uk

I like how most people that are against 'fronting' in this forum openly admit to, and encourage adding parents as named drivers, lowering the mileage, changing where you keep the car on a night, not declaring everything you have done to the car - in order to reduce the annual premium.

Basically, in an ideal world, you should tell the truth about everything, and pay whatever it costs. In reality, this is just not an option for most people who choose to not pay over the odds for what are already extortionate prices.

A thread like this will always create a big response, as people who have paid over the odds over the years, and chose to not get a cheaper premium, feel like they have a right to speak out and encourage everyone else to do the same.

Where as a thread like mine, admitting to 'fronting' and been happy doing so, less people are willing to speak out in favour of it. At the end of the day, its the individuals choice how they get insured, although I completely disagree with people saying that 'fronting' increases everyone else's cost, or means you are effectively driving without insurance - this is total rubbish.

hit the nail on the head there. i think devilsadvocate is just being a bit bitter that he got ripped off on insurance when he was 17

[devilsadvocate]

Originally Posted by LSOfreak

hit the nail on the head there. i think devilsadvocate is just being a bit bitter that he got ripped off on insurance when he was 17

Not really, I paid £1800 for my first car which I would afford monthly payments and wanted to drive because it meant more job opportunities for me at the time

Worked out well because at 23 I can pretty much insure anything for less than £1500 due to my no claims

No claims will reduce your premium the most, driving experience helps but not as much as no claims

Just got a quote for a 106GTI all mods declared......£476 Fully comp
Without those no claims it would have been over a grand

Glad I didnt front or I would be paying more now!!

[outrage_uk]

Originally Posted by devilsadvocate

Just got a quote for a 106GTI all mods declared......£476 Fully comp
Without those no claims it would have been over a grand

^^ This is exactly my point though.

Yes, I agree that your insurance is cheaper today than it would be if you didn't have any No Claims Discount, it would be silly to say otherwise, however - if you had 'fronted' when you where younger, you would have saved thousands and thousands of pounds so you could afford to pay the extra £600 now (and you're probably in a better paid job so can afford to compared to when you were 17). Not only that, by now you would have 6 years NCD built up in your parents' name, so you would still be paying less than what you do now, and still saving money (until your 25 when prices start at a realistic amount).

Fair play to you though, you have done it by the book and im sure the insurance companies love you for it

This isn't so much an argument now, as insurance companies are unfortunately clamping down on 'fronting' and charging thousands, regardless if you're a named driver or the policy holder

[LSOfreak]

some companies do give no claims bonus to named drivers. My first year of NCB was from being a named driver

[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.

[devilsadvocate]

Insurance companies are cracking down on fronting so I suspect it will be a thing of the past by this time next year
They need to lower insurance prices for first time drivers but I don't think you should be able to insure a VTR/VTS until you are 21+ in my opinion
At 17 you do not need a 1.6 16V 120BHP car so you have no right to complain when insurance is high
The only people who have the right to complain are 17 year olds who are getting quoted thousands when trying to insure a sensible car like a 1.1

[outrage_uk]

Originally Posted by devilsadvocate

Insurance companies are cracking down on fronting so I suspect it will be a thing of the past by this time next year

Why the smile ?

I don't think paying more than you have to for insurance is a good thing for anyone.. am I missing something?

There shouldn't be a stupid difference between a 1.1 / East Coast / West Coast / Furio / VTR / VTS.

Everyone talks about a GTI / VTS like it's some kind of rocket It doesn't take the average driver 5 years to build up the experience to drive..... another (slightly quicker) saxo/106.

1.6 isn't an unrealistic engine size for a first time driver - and 16v just brings it in line with engine technology within the last 20 years. Just because you drive around in a 1.1, that doesn't mean you are less likely to have an accident, it just means you (probably) drive them harder.

Just doing some home insurance quotes - £120 for the year which includes £1,000,000 of building cover and £65,000 of contents cover.

£120 for the year is a realistic insurance amount when you consider how much insurers earn. There is no reason why car insurance shouldn't be capped to a realistic amount either.

Greedy companies, greedy government... fuelled by mugs that are willing to pay it. Bad system.

[Barry123]

Originally Posted by outrage_uk

1.6 isn't an unrealistic engine size for a first time driver - and 16v just brings it in line with engine technology within the last 20 years. Just because you drive around in a 1.1, that doesn't mean you are less likely to have an accident, it just means you (probably) drive them harder.

Just doing some home insurance quotes - £120 for the year which includes £1,000,000 of building cover and £65,000 of contents cover.

£120 for the year is a realistic insurance amount when you consider how much insurers earn. There is no reason why car insurance shouldn't be capped to a realistic amount either.

I get where you're coming from but houses tend not move around much and crash into other houses - although relatively cheap, house insurance can be extortionate if your insurer decides that you live in a newly discovered 'high risk' flood area (which really means you live within 30 miles of a place that had a bit of rain fall recently )

I'm not here to defend the insurance companies, honestly. I hate paying for (in my opinion) over priced insurance too, particularly as drive at a far more calmer pace than the typical saxo driver. But they'll have a huge record of all the statistics they could ever want. How many claims by a particular car model type, claims by a particular postcode, claims by particular age group, cost of those claims etc etc.

Regarding the 1.1 vs 1.6 comment. I'm sure back when I was 17 I was no way ready for a VTS, I used to race go karts too around that time, so it wasn't as if I hadn't been completely in the dark with how 4 wheel'd thingys behave. Yep they're not the fastest car around but more than adequate for a broad spread of the demographic. I can't think of a single modern car running an n/a 1.6 16v that's as quick as the vts, I'm sure there must be though

I'm pretty certain, I think the statistics would show that for a given age group, a more powerful car relates to either more claims, or more expensive claims. That said, the whole Insurance Group thing is just rubbish. Gather a load a group 14 insurance cars and get quotes on them and they'll all be different.

The only way round the cost for young drivers, particularly with insurers getting wise to fronting, is to enforce a low mileage, i.e. the driver has a low risk exposure to an accident. Like those GPS box things. That or kids learn to behave on the road, which would mean a vastly improved driver training and test procedure. I doubt either will happen and so we'll just have to deal with forever high insurance.

[Bound]

I don't front, and I would rather people do it than not have insurance at all.

However my problem is how do insurance companies prove it.. Seems pretty much unprovable to me, and if it was me and I was accused of it, I would fight it, even if it was true .