Fronting....my opinion on it!

[Morgzc]

I get what outrage is saying but I'm not going to start condoning illegal stuff on the internet (even though I am no angel myself).

[JohnnyNiicholass]

at the end of the day people, not many people can afford insurance up to £5000 a year, then others wonder why people take out illigal policies, or drive without insurance?

and as for "fronting" goes,... nobody can say that a car is not actually your dads/mothers car, even if its all kitted up, if the car is registered on your parents name then the insurance companies cant really turn around and say that its your car.

Just my opinion really

why the f*** would anyone wanna pay insurance which is worth x5 more than the car is beyond me...

[Barry123]

Originally Posted by JohnnyNiicholass

why the f*** would anyone wanna pay insurance which is worth x5 more than the car is beyond me...

because the car they crash into is 5x more than the cost of the car their driving.

[JohnnyNiicholass]

Originally Posted by adsayer

because the car they crash into is 5x more than the cost of the car their driving.

dont act like an idiot and you wont crash, if they crash into you then its not your fault.

[Barry123]

Originally Posted by JohnnyNiicholass

dont act like an idiot and you wont crash, if they crash into you then its not your fault.

I don't and haven't - but there are a looooads that do, and then there are loads that front, don't declare things, don't mention convictions, and don't even insure their car - hence the premiums for young'ns

I'm not defending the prices because if it wasn't for my parents I wouldn't have been able to drive in the first place. but if the standards are that bad that kids are smashing their cars up in the first couple of years of driving then I can see why the insurers are trying to put people off driving, which, based on the prices is what they're trying to do.

[JohnnyNiicholass]

Originally Posted by adsayer

I don't and haven't - but there are a looooads that do, and then there are loads that front, don't declare things, don't mention convictions, and don't even insure their car - hence the premiums for young'ns

I'm not defending the prices because if it wasn't for my parents I wouldn't have been able to drive in the first place. but if the standards are that bad that kids are smashing their cars up in the first couple of years of driving then I can see why the insurers are trying to put people off driving, which, based on the prices is what they're trying to do.

Yeah i agree with you, but what im saying is the prices of insurance these days are pathetic, how they expect a 17yr old student to pay up to £5000 insurance for a car they bought for like £600/£700 that just shocking!
and then you can go on your parents name for around £1000, which is still quite bad, but alot cheaper.

and yeah if it wasnt for these show offs, acting a goon, racing around the place smashing their cars up, others wouldnt have to suffer

but im just saying how insurance companys expect people to pay that much for car insurance is just beyond.

[Sean_VTR]

Insurance is a joke for young drivers tbh, if parents have themselves as main drivers on any car, how can the insurance company prove that it is infact there son/daughters car? They can't.

[Manu]

Fronting....my opinion on it!

If the insurances prices weren't sky high, people would not be tempted to front. My first car was a 1.9 pug 305(15 years ago), I was paying £700 full comp.


Nowadays, having to cough up to a few grand for a small car worth bugger all, with a 1124 engine in there is daylight robbery.

[devilsadvocate]

Originally Posted by Manu

If the insurances prices weren't sky high, people would not be tempted to front. My first car was a 1.9 pug 305(15 years ago), I was paying £700 full comp.


Nowadays, having to cough up to a few grand for a small car worth bugger all, with a 1124 engine in there is daylight robbery.

Very true, I don't disagree that insurance is stupidly expensive for first time drivers

6 years ago at 17, I paid £1800 TPFT on a Nova 1.4 as my first car.
It was expensive but I wanted to drive so had to pay it, I was working part time for Sainsburys at the time whilst doing my A-Levels so every penny I had went into that car.

Unfortunately it died and I then didnt have a car until I was like 19 upon which time my insurance was still like £1400 on a Pug 205 1.6XL.

Luckily I paid it and now I have 3 years NCB (soon to be 4) and my insurance is like £500ish on a 106 GTI with all Mods declared

Im glad I didnt front and I wanted people to know the risks associated with it and the benefits of not doing it, hence this thread

[outrage_uk]

Originally Posted by devilsadvocate

Luckily I paid it and now I have 3 years NCB (soon to be 4) and my insurance is like £500ish on a 106 GTI with all Mods declared

Devil, devil, devil...

Your missing the point... Its not a case of luckily you paid it. You could have got it cheaper - and you would still be paying £500 ish on an all mods declared GTI in your parents name, because that separate policy in their name would now also have 3 or 4 years no claims discount built up on it. Then when the quotes were realistic (ie when your 25) you could have switched it over to your name with 0 years no claims - and even if it cost you £500 more - it's at a time where you (I assume) can afford to pay it, and you will have still saved thousands over the years.

[devilsadvocate]

Originally Posted by outrage_uk

Devil, devil, devil...

Your missing the point... Its not a case of luckily you paid it. You could have got it cheaper - and you would still be paying £500 ish on an all mods declared GTI in your parents name, because that separate policy in their name would now also have 3 or 4 years no claims discount built up on it. Then when the quotes were realistic (ie when your 25) you could have switched it over to your name with 0 years no claims - and even if it cost you £500 more - it's at a time where you (I assume) can afford to pay it, and you will have still saved thousands over the years.

I disagree (surprisingly), I think the value of no claims is better than experience of driving.

I would rather be insured in my own name for 8 years (between 17 and 25) and have 8 years NCB then be 25 with zero NCB and have the risk of my policy voided in the 8 years I was fronting.

At 25 with zero no claims, I could probably insure a crappy saxo for £500 but what if I wanted to insure something better or more powerfull, the price would increase without no claims. I think I will keep my no claims knowing I will be 25 with 5 years NCB (protected) and will be able to insure pretty much any car for £500, not just a saxo

The risk of driving for 8 years on a fronted policy is not one that I would be willing to take.

There is not much point in this thread now anyway because insurers are cracking down on fronting and are putting prices up for young named drivers.
I guess the way they look at it is that they may lose out on a few genuine named drivers who go on thier parents policy to drive the car on weekends etc but most of them are fronted so I suppose thats why they have chosen to try and stamp out fronting.

[outrage_uk]

Originally Posted by devilsadvocate

I would rather be insured in my own name for 8 years (between 17 and 25) and have 8 years NCB then be 25 with zero NCB and have the risk of my policy voided in the 8 years I was fronting.

I see what you are saying - you are basically saying named drivers on a policy are at risk for the insurers not to paying based on who is a main driver (whatever that legally is, and if this could ever be proven). I don't really class this as a risk, but ok... each to their own (we have been over this enough )

Originally Posted by devilsadvocate

At 25 with zero no claims, I could probably insure a crappy saxo for £500 but what if I wanted to insure something better or more powerfull, the price would increase without no claims. I think I will keep my no claims knowing I will be 25 with 5 years NCB (protected) and will be able to insure pretty much any car for £500, not just a saxo

At 25, you can insure virtually anything - definitely not just a saxo. Infact prices on real cars will probably be cheaper due to theft claims on saxo's alone. Im not doubting that it will be cheaper with 5 years no claims - I am saying that the difference between 0 No Years Discount and 5 years No Claims Discount still works out in the favour of the person that fronted if you worked out the money you have spent since you were 17.

Example:

Joe Bloggs - DOB: 01/06/1985 - 25 years old - home postcode: YO1 7DT - car: 2006 Vauxhall Vectra 2.2i SRi - annual mileage: 10000 - job: manager, information technology.

5 Years No Claims:



0 Years No Claims:



As you can see - £392.80 difference. Surely you must agree that it is a better option to pay £392.80 more at 25 years old when your settled into a career, than fork out thousands and thousands extra when your 17? As every year that goes by from now on the gap would get smaller and smaller untill you'd both pay the same around 30.

[Olly]

Some of the idiots i see driving around, its no wonder there insurance is so high. I wouldnt want to insure them for £5000...

Does make it shit for the sensible drivers, and professional drivers too.

Remember tax and inflation has risen too, so things are costing more, especially with this government and our economy.

[Olly]

As for proving the fronting...

Your parents have 2 cars? If so why the second one and how does the son/daughter travel to work. Do you pay for the fuel? How often? Can you Proove you get the bus everyday? If you crash where were you going that day?....

If they dont want to pay and youve breached their contract, its pretty likely to get found out. Its bad enough getting money from insurers when its 100%legit and not your fault.

[tally2425]

Ok help me out here, I was going to put my GF on the insurance (i drive it mostly she will only drive it on saturdays mabey sundays only for a 1 hour or so, Is this still illegal?

[outrage_uk]

Originally Posted by Olly

Your parents have 2 cars?

So?

Originally Posted by Olly

If so why the second one

Cheaper to run / better for the environment / prefer a smaller car.

Originally Posted by Olly

how does the son/daughter travel to work.

Gets a lift, cycles, walks, uses the car on the odd occasion if the parent isn't.

Originally Posted by Olly

Do you pay for the fuel?

Parent pays.

Originally Posted by Olly

How often?

Ermmm.. when a little orange light comes on.

Originally Posted by Olly

Can you Prove you get the bus everyday?

Who mentioned a bus? Can you prove I don't get the bus everyday?

Originally Posted by Olly

If you crash where were you going that day?

I don't know I havn't crashed yet - probably shopping.

..........................................

Virtually impossible, without admission, regardless of what people say.

[outrage_uk]

Originally Posted by tally2425

Ok help me out here, I was going to put my GF on the insurance (i drive it mostly she will only drive it on saturdays mabey sundays only for a 1 hour or so, Is this still illegal?

Nope. Named drivers are not illegal - whatever people say buddy

[Reece1591]

tbh i think insurance is a joke i have to pay basically £2500 for a 1.1 saxo at age 19 when i passed my test and thats TPFT with windscreen cover and driving abroud now a relative of mine who lives 10 miles away from me has the same car and he is 17 and only has to pay £1700 TPFT for his with the same company i dont think it should matter where you live if they want to make people pay loads due to crashes then make everyone pay the same amount area shouldnt come into it, but i do understand why people go down as named drivers as some people just dont have the money to pay for the insurance but they have to drive due to work etc. its not right and i would never do it but thats the choice people make if they get caught then their problem dont think people should moan at them for doing it, they just had the balls to do it in the first place

[nath042]

frontings not the worst thing.. uninsured drivers are.. if they crash into you you're fucked, if u crash into them then you're fucked.

[tally2425]

Originally Posted by nath042

frontings not the worst thing.. uninsured drivers are.. if they crash into you you're fucked, if u crash into them then you're fucked.

It is not illegal in some cases.