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Fletcher
ClioSport Club Member
Have you tried Norwich Union, or Elephant?
Many people try to avoid higher premiums by insuring a car in a parents name and adding a younger driver.
Technically this is called "fronting" and it is to be avoided. In the worst case, should you do this, a claim could be called invalid meaning that you would not receive a payout and the younger driver could be convicted of driving without insurance.
As a minimum the fine would be severe and 6 points is generally the basic penalty. For young drivers this could potentially mean the loss of their license.
A vehicle being used for commuting by a student could be the evidence an insurance company would need to invalidate the policy for fronting.
The safest course of action is to insure in the young drivers name. This carries the extra benefit of them being able to accumulate their No Claims Bonus.
Technically this is called "fronting" and it is to be avoided. In the worst case, should you do this, a claim could be called invalid meaning that you would not receive a payout and the younger driver could be convicted of driving without insurance.
As a minimum the fine would be severe and 6 points is generally the basic penalty. For young drivers this could potentially mean the loss of their license.
A vehicle being used for commuting by a student could be the evidence an insurance company would need to invalidate the policy for fronting.
The safest course of action is to insure in the young drivers name. This carries the extra benefit of them being able to accumulate their No Claims Bonus.
Golf GTI 1.8T
So if my mum has a bump in my car tomorrow my insurance is gonna be invalid for her claim 
better get her taken off asap...
I can understand where you are coming from, for this reason is why I have my own policy and threw £1466 into tescos bank account last year.
But I dont really use my car that often so seems pointless me being a main driver, I cant see why if I'm only using the car for 2 days out of 7 that I cant be insured as a named driver. Technically I'd be doing the correct thing cos my mum would be using the car in the daytime and more than me.
better get her taken off asap...
I can understand where you are coming from, for this reason is why I have my own policy and threw £1466 into tescos bank account last year.
But I dont really use my car that often so seems pointless me being a main driver, I cant see why if I'm only using the car for 2 days out of 7 that I cant be insured as a named driver. Technically I'd be doing the correct thing cos my mum would be using the car in the daytime and more than me.
m1tch, its still gonna be up around 2k i reckon.
you'll end up paying the price when you become independant... i have 4 years NCD now and cheap insurance at 22 because ive paid the price for the previous years.
in your scenario when your independant you'll have to drive around in a shitbox because you have no driving history as far as insurers are concerned.
you'll end up paying the price when you become independant... i have 4 years NCD now and cheap insurance at 22 because ive paid the price for the previous years.
in your scenario when your independant you'll have to drive around in a shitbox because you have no driving history as far as insurers are concerned.
Golf GTI 1.8T
ahhh thats gay!
looks like I'll have to get a new bike instead then least I can do 0-60 in 2.5 secs and go to 140mph+ for insurance for under £500 FC.
Insurance really has got stupid aint it.
I dont mind my lil 1.4, its plenty quick enough for what i need, just might have the oppertunity for something better and I wont be here in 4 years to take advantage of my no claims bonus anyway
looks like I'll have to get a new bike instead then
least I can do 0-60 in 2.5 secs and go to 140mph+ for insurance for under £500 FC. Insurance really has got stupid aint it.
I dont mind my lil 1.4, its plenty quick enough for what i need, just might have the oppertunity for something better and I wont be here in 4 years to take advantage of my no claims bonus anyway
ahhh this old classic !
If your mum drives the car more than you Mitch then you won't have a problem.
If anything was to happen to the car, then its possible that they might ask your neighbours who normally drives the car - but I doubt they would.
It will benefit you though to start getting your own ncd (maybe you already have some - I haven't read it all ) if not get 1 yrs ncd on your current car then get the 172 policy in your name.
If your mum drives the car more than you Mitch then you won't have a problem.
If anything was to happen to the car, then its possible that they might ask your neighbours who normally drives the car - but I doubt they would.
It will benefit you though to start getting your own ncd (maybe you already have some - I haven't read it all
) if not get 1 yrs ncd on your current car then get the 172 policy in your name.
Golf GTI 1.8T
I will have 1 NCB in may, but that wont hardly dent a 172 policy of my own lol
thanks for your help guys. looks like a diffinate no no and 10 lines on the lottery sat hehe
i think mum has a fetish for the leather seats really lol, beats her mk1 ph2 diesel
Oh and I'll be back home in Oz hopefully
thanks for your help guys. looks like a diffinate no no and 10 lines on the lottery sat hehe
i think mum has a fetish for the leather seats really lol, beats her mk1 ph2 diesel
Oh and I'll be back home in Oz hopefully
Golf GTI 1.8T
thats what I was talking about craig, cos I will be 19 then with 1 ncb, my insurance is still gonna be over £900 tho and thought if I spent out a bit more I might be able to get a 172 and pay a bit more for the insurance.
If I ever meet an underwriter in the future I'll make sure I give them a jab where it hurts for everyone!
If I ever meet an underwriter in the future I'll make sure I give them a jab where it hurts for everyone!
