Looking in alot of threads in here recently it seems as though alot of younger lads are guilty of it. Seems like they either don't understand the legality and implications or simply don't give a s**t they're committing fraud. It's bad enough they're doing it themselves but some seem to be persistantly encouraging other people on here to do it with their responses.
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I.E
you insure the car in your dad name, and add yourself as a named driver
( i think )
you insure the car in your dad name, and add yourself as a named driver
( i think )
182 & LY Clio 220 ed
Driving 'Your Mum's' 172 as an additional driver, but you are the main driver.
They'd suss if your 40 or 50 Year old parent suddenly wanted tinted windows, lowering kit, etc...they ain't stupid!
A ANIMAL
It really peeves me when people do this - if you can't afford to run it legally - wait untill you can , it's simple.
People not declaring mods is anothr thing aswell. Maybe i'm just bitter?
People not declaring mods is anothr thing aswell. Maybe i'm just bitter?
A ANIMAL
Might be a wise idea - maybe make it known that it has no place for discussion on this forum. Afterall it is illegal - you wouldn't start a thread about your crack addiction now would you?
Focus RS Mk1
ive always made a point of declaring mods on my cars, after i crashed my supercharged saxo i claimed. because i informed them of the mods they gave me £6000 on a 51 reg saxo! i proved what had been spent on it and made a decent amount back from the loss.
all those who dont declare stuff then be warned, you do so at your own peril.
not only will the insurance company not pay out on those mods but on the enitre car, also its likely you will be reported to the police.
all those who dont declare stuff then be warned, you do so at your own peril.
not only will the insurance company not pay out on those mods but on the enitre car, also its likely you will be reported to the police.
ph1 172
I think fronting is rife, Insurance policies in young persons names are very high and most cannot afford.
I am on my mums insurnace as a named driver, But i genuinly drive it no more than her. She takes it on weekdays to work, I occasionally take it out at night and the weekends.
Im going to get my own policy next year because i want to get some ncb rolling.
I am on my mums insurnace as a named driver, But i genuinly drive it no more than her. She takes it on weekdays to work, I occasionally take it out at night and the weekends.
Im going to get my own policy next year because i want to get some ncb rolling.
RB Clio 182
Im fully insured and im the main driver of the car with mods declared as well, the younger ones on here that are getting away with being a named driver on their mums or dads insurance i say fair play to. Insurance companies charge stupid money for insurance then they will find any excuse to not to pay out when something happens, plus they give us men a higher quote than women, which really pisses me off. Insurance compaines have screwed people over for years now whats wrong with beating the system once and a while?
The Boosh!
ClioSport Admin
Elise, Duster
how can the insurance company"proove" that one person drives the car more than the other though.
i agree with shuffle tbh (im on my own insurance & fully legal b4 anyone starts)
i agree with shuffle tbh (im on my own insurance & fully legal b4 anyone starts)
The Boosh!
ClioSport Admin
Elise, Duster
The government has a fund (I forgot whats its called) but on occasions you will be paid out of that.
Thats the thing, it's not funny.
And where do you think the government get that money from, can you see where I'm going with this?
RB Clio 182
Then it wouldn't matter if they are a fronter or not if their insurance company refuses to pay out. You would still have to pay.
The Boosh!
ClioSport Admin
Elise, Duster
Well TBH mate it wouldn't make a difference.
The fund will be there regardless as we dont have a say as to where to government directs its money.
The point I'm making is if they weren't fronting then they pick up the tab rather than the rest of us.
they have been known to ask neighbours who drives the car most etc
We don't have any control over which pot our tax goes into no. The next time you complain about s**t roads, schools with 50 kids per class, or numerous other resources that are under funded you need to take into consideration there would be more money available for said pots if uninsured drivers or fronters accidents weren't being paid out for.
The Boosh!
ClioSport Admin
Elise, Duster
Yeh, BUT there is always going to be people doing it.
Just like there will ALWAYS be people committing benefit fraud
The more people that use that reasoning the worse this country gets. Typical case of they're getting this so why shouldn't I mentality that only ends up with everyone more out of pocket as a result.
The Boosh!
ClioSport Admin
Elise, Duster
I know where you are coming from Loony but at the end of the day that's how it is.
ph1 172
i dont think insurance companies charge too much for young drivers.
dont get me wrong, the prices are too high for lots of us to afford. i paid £1200 for a really old diesel clio when i was 18 and worked really hard for it.
But the premiums are calculated from risks and know accident rates from age groups, etc.
If i had an insurance company, i wouldnt insure anybody under 25 (im 22!) and certainly wouldnt insure males under 25 with mods.
Im pretty much the only person that i know who is my age who didnt have an accident to some extent while younger. I could moan all day about how its not fair, but you have to earn your no-claims, which proves you are a lower risk.
dont get me wrong, the prices are too high for lots of us to afford. i paid £1200 for a really old diesel clio when i was 18 and worked really hard for it.
But the premiums are calculated from risks and know accident rates from age groups, etc.
If i had an insurance company, i wouldnt insure anybody under 25 (im 22!) and certainly wouldnt insure males under 25 with mods.
Im pretty much the only person that i know who is my age who didnt have an accident to some extent while younger. I could moan all day about how its not fair, but you have to earn your no-claims, which proves you are a lower risk.
I was on my own insurance from the word go, but had my dad put on as a named driver and they (norwich union) allowed us to use his no claims with the understanding that i wouldnt earn my own after a bit of haggling.
Scrapped it this year and am all alone on my insurance paying a stupid amount.... But earnin no claims =]
But the fact is everyone has to have their turn at paying high prices.
If you cant afford to insure the car you want legally then settle for something else.
Scrapped it this year and am all alone on my insurance paying a stupid amount.... But earnin no claims =]
But the fact is everyone has to have their turn at paying high prices.
If you cant afford to insure the car you want legally then settle for something else.
ALBI 197 Sonic MKII
I honestly couldn't give two s***s what people do with their insurance, it's up to them. Id say most of them know theyre "fronting." I'm not going to get all piss pants about it.
As long as their insurance company pays out when they hit me then that's all that matters really isn't it.
As long as their insurance company pays out when they hit me then that's all that matters really isn't it.
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