Warning to anyone insured under their parents name. UPDATE 1st PAGE

[MikeCracknell]

FROM BBC WEBSITE TODAY: 08/03/2008

http://news.bbc.co.uk/1/hi/programme...ch/7282236.stm

TAKE NOTE!

Insurance industry is cracking down on these people.

If you are the main driver on your car, and the insurance policy is in your parents name, then "fronting" as it is called is illegal, and there has been three cases recently of people within car forum communities where the insurance company has not paid out after a write off. In one case where the vehicle was registered in the lads name, but parents were the policy holder, the driver was hauled in as every insurance policy states "The vehicle is registered in your name"

Be Warned......

[MAS]

i heard of something like this recently on a local cruise forum but good job on posting it here

[b0t13]

tbh its not the best way to get insured at all, but its the most popular way for young drivers to get insured for any sort of decent money..

best way is ur own name, but if the price is £3k and £1200 on ya dads name, i know most people will go on their rents name as it saves a shit load of money..

[Graemep]

tbh simply way round it is just get the car regested in your parents name and not yours!!!

then they cant say shite as the car will be registerd to the policy holder

[Danhunt]

Originally Posted by Graeme

tbh simply way round it is just get the car regested in your parents name and not yours!!!

then they cant say shite as the car will be registerd to the policy holder

agreed, for all they know then you are just taking the car for a drive


plus then when it comes to resale, and its under your mums name for example, you can pass it off as it being owned by a careful lady owner

[bridgesvtr90]

its £2300 4 me as main driver or £740 as a named driver lol i kno which 1 im getting

[Graham]

Originally Posted by Danhunt

plus then when it comes to resale, and its under your mums name for example, you can pass it off as it being owned by a careful lady owner

thats clever thinking

[liambez]

Originally Posted by b0t13

tbh its not the best way to get insured at all, but its the most popular way for young drivers to get insured for any sort of decent money..

best way is ur own name, but if the price is £3k and £1200 on ya dads name, i know most people will go on their rents name as it saves a shit load of money..

i agree i Forked out £1200 for my insurance on my own but defo know if i were abit short of cash id go on rents

[TU-Tuning]

If they expect people to play by the rules then they should make sure their premiums arent so stupidly high for such a comparitivly poor age group.

[MikeCracknell]

I do totally agree, but the two cases I am thinking of, the cars were registered in parents names with the lads on the policy....modified etc.

Insurance company look at car and say "Would a 50 year old be driving that as their main vehicle? No, I don't think so"

I agree with the cheap comments though! It is stupid the cost of insurance for first timers!

[DavidKent]

Originally Posted by MikeCracknell

Insurance company look at car and say "Would a 50 year old be driving that as their main vehicle? No, I don't think so"

They don't know that?

I saw some old lady around local to me, driving a Puma - Not just a standard one, it looked pretty one off, didn't have any aftermarket stuff, but looked smarter than the average 1.7 Zetec.

I say old, she was probably 60-65, but still - Doesn't mean to say a 50 year old man (My dads only 42!).. so 42 year old man wouldn't drive a Modified Saxo.

Doesn't mean jack, you could argue it.. though i have known them to ask neighbours who is the main driver of that car..

There's ways around it in both respects.
Prices are stupid though!

[Danhunt]

Mines pretty standard tbh! so no worries,
when i finally get insured on the escort it will be in my own name, as i now have 1 years no claims and almost 1 year driving experience ha

[Luke]

It's a risky situation really.

I'd never do that personally, as I know for a fact that the car has to be registered in the policyholder of the insurances name.

[Rootyuk]

jus stick to bein the policy holder, if u cant afford the insurence dont get the car simple, thats wat iv always done.

anyway a 1.1 or 1.0 even can do 70mph which is the max limit here so y even need a bigger engine??

[Wade]

My car is registerd to me rent and on his policy i drive it as my own otherwise it would be £2000+ insted of my £1000.

Agreeing on the fact that it is to expencive to insure a car on your own nowadays if you just passed really is pathetic they just going to have to accept the fact that people are going to do that or drive without insurance..

[Wade]

Originally Posted by Rootyuk

anyway a 1.1 or 1.0 even can do 70mph which is the max limit here so y even need a bigger engine??

Getting up to speeds quicker.. i guess..

[Rootyuk]

but is that really important unless ur a boy racer?

[Wade]

Originally Posted by Rootyuk

but is that really important unless ur a boy racer?

Not majorly important no. But i do like to get up to speed quicker if on long journeys as i can get there that bit quicker.

[Rootyuk]

yeah know wat u mean bout the long journey thing, my car is a 1.1 and that gets me up to the speeds i need nicely

[TU-Tuning]

No one sticks 70 on the motorway apart from limited trucks and the elderly. And Sayer