Insurance question

[ukmastiff]

Ive never heard the term fronting but its simple tbh. 'If' you lie to get a policy its actually called insurance fraud so you have to decide: Would you be lying and could anyone ever prove it. Best of luck

 

[Riverside]

Many years ago I worked for a high street Insurance Broker, setting up new policies & handling claims. When answering the questions to set up a policy customers would tend to be optimistic with the truth (eg thinking they didn't need to mention something), but if they made a claim they would tend to be much more honest (ie include every little detail). Part of my job was to make sure the customer was aware of the ramifications of these (potential) discrepancies. Now that it can be done online it's easy to get yourself a cheaper policy without really understanding the (potential) effect (ie what's an important material fact & what's not so important), and so the internet contains many questions like yours and probably just as many many stories of 'being hit by uninsured drivers' etc where the nasty insurance company refused the claim. If you are concerned about whether you are 'fronting' just be honest with your answers & you'll be fine. On a side note re: insurance always check the small print about windscreen claims. Most standard policies have an upper limit on the value of a windscreen (eg £500) so you pay the excess, then you also pay anything over that upper limit. A new 944 windscreen (with top tint & embedded aerial) is something like £2000 & the rear screen about £2.5k. Find a policy with unlimited windscreen cover for peace of mind.

 

[Emery1990]

I'm worried about the possibility of being accused of fronting. Since I first started driving I've always added my mother onto my policy, it always brang it down a good few hundred quid! £1000 one time! Not as the main driver but as an added driver.

I've been playing around with insurance quotes to see what I can expect.

My father would be on this as he loves Porches and would drive it from time to time, if he is the registered owner of the porsche and i'm an added driver but put down as the main driver then the insurance is cheap as chips for me having 5 points and a claim.

But of course I dont want to be accused of fronting...

Am I being naive!



Also reason I ask, my dad asked if I wanted to pay and get added to his golf r, but I refused as it'll cost to much, but then if I did would this be classed as fronting as well?

 

[Lowtimer]

You can add all the additional drivers you like to your policy - they do not have to actually drive the car, and you never know when it might come in handy unexpectedly, e.g. you need it dropping off for maintenance, and a family member can do it. The question about 'fronting' is to do with whether you have accurately described the primary driver of each car. It's really simple. Is the person who goes down on the policy as the main driver of the car, actually the main driver of the car? If so, then you are OK. If not, you are committing insurance fraud. Just tell the truth, and if you need to construct some complicated and tortuous version of events in order to make it come out to a certain premium, that is generally a sign that you are not doing it right and are heading for a cropper.

 

[pauljmcnulty]

What Simon said! I get a discount on my van by adding my partner. It fits their model of an ideal customer/risk, even though they understand she doesn't ever drive it. It's more about your personal situation: they see me as a better risk as I'm in a long-term relationship, so that's fine by me. The same with the 944, but she does drive it once or twice a year. The problem is people trying to be "clever", when actually it's fraud. The classic is insuring a £200 Corsa in my name, with my 17-year-old as a named driver. Or, saying it's garaged in Surrey, when in fact it's parked on a rough street in Manchester during university terms. They WILL cover you, and take your money, but in the event of a claim might ask questions.... The insured needs to be the main driver, the address needs to be where it's kept the majority of the time, it's pretty simple to judge if you're fibbing to them. The responsibility is on you to be open and honest, and you do sign the declaration to say you've disclosed any fact you THINK might be relevant. Not worth messing with, IMO. You have to pay up, build your no-claims, keep the license as clean as you can, and wait. The only advantage of getting older is premiums plumetting! []