[AK47rulz]

The weird thing about insurance fronting is trying to prove whether the child is driving around in it most of the time.

My car is still under my mum's name so technically those two years I was driving under her insurance policy, it would be very hard for them to prove that I was driving it most of the time.

yeah as an occasional driver, just imagine if your car was stolen from campus or had an accident at college... she'd have a hard time explaining/proving that to the insurers

above is just an example.

BUT There is nothing more obvious to an insurer than a parent insuring a Saxo/Corsa/similar "young driver" car, with their 17-21 year old young person named as a secondary driver. Any claim relating to an accident when the young person is driving will automatically be investigated and insurers are likely to ask for evidence, for example, of who pays the bills for the car.

The "fronting" situation is even more self-evident if both parents already have their own car and then mysteriously have the need to be main drivers on an additional car too.

is the V5 in your name ? cos if it is and your mother is the named 1st driver/owner then you too have been fronting

[AK47rulz]

SKODA FABIA

that's a really good suggestion,cheap to insure,run and is built by VW so it doesn't have the ole Skoda stigma anymore and as long as it isn't a VRS variety it gets under the insurers boy racer car radar,unlike saxo's and Corsa's don't as they are the typical car new drivers go for.

and its one of the largest cars in group one insurance

[ssupermegatone]

[pataagusata]

£2100 the cheapest quote for a Citroen Saxo...

[censored] no.

Classed as 'boy racer' cars... heh


I just bought my first car 9 days ago & very happy with it.

To be able to afford being the primary driver on the policy I had to wait until now (I'm 21 and have been driving for over 4 years).

Unfortunately, being a named driver, even on a company cars (which I was for a year before I came to uni) doesn't mean jack to insurance companies - even though I've covered around 150,000 miles in those 4 years, more than most people do in 10 years.

Plus I have my minibus license - now that's a good way to teach you to be patient on the road!

Anyway - I still paid more for the insurance than I did for the car... but at least it's a reasonably powerful car, I couldn't stand driving a 1L car even if it is cheaper to run.

Got myself a nice little Vauxhall Astra 2.0L (over 150bhp) at a reasonably good point in its lifecycle for 500 quid... the insurance (opting to pay monthly) added up to 870 quid with churchill.

Churchill were by far the cheapest quote, the only one under 1000. There were two about 1100-1200 and the rest were all well above 2000 for the year (insane).

So... to sum up... insurance companies love to gouge money out of the younger drivers, but then you're more likely to have an accident in your first year of driving than in the whole of the rest of your driving life.

I got 'round' it by being a named driver on my mum's / girlfriend's policy... even though in both cases I was the one who drove the most - oopsie!

[stutnerman]

yeah as an occasional driver, just imagine if your car was stolen from campus or had an accident at college... she'd have a hard time explaining/proving that to the insurers

above is just an example.

BUT There is nothing more obvious to an insurer than a parent insuring a Saxo/Corsa/similar "young driver" car, with their 17-21 year old young person named as a secondary driver. Any claim relating to an accident when the young person is driving will automatically be investigated and insurers are likely to ask for evidence, for example, of who pays the bills for the car.

The "fronting" situation is even more self-evident if both parents already have their own car and then mysteriously have the need to be main drivers on an additional car too.

is the V5 in your name ? cos if it is and your mother is the named 1st driver/owner then you too have been fronting

Using your example, it could be disputed that I was using that car for the week and I was actually planning to take it back the following weekend.

Saxos/Corsas are all placed on the boy-racer list. So if I was you OP, I wouldn't touch them lol. Which probably explains why if I was to be insured on a Accord Type R, it's like 2x cheaper than being insured on a CTR.

I've got my own policy now anyway, so my mum is 2nd driver. The V5 is still under her name, and it always has. She has her own car though and is insured on a total of 3 cars.

[DuesTyr]

Anyway - I still paid more for the insurance than I did for the car

Why do people always say this, as if insurance is just about the cost of replacing your own car?

[stutnerman]

Why do people always say this, as if insurance is just about the cost of replacing your own car?

Because sometimes it's true?

I mean a first time driver could buy a £300 banger and still pay like £700 for insurance.

Personally, I wouldn't pay for insurance if it's near the cost of the car.

[AngegepeM]

Because sometimes it's true?

I mean a first time driver could buy a £300 banger and still pay like £700 for insurance.

Personally, I wouldn't pay for insurance if it's near the cost of the car.

Remember it also covers the damage they could do to somebody else's car or SOMEBODY ELSE.

[orillaVar]

driver monitoring systems will fix those insurance rates, which are mainly caused by the boy racers

[mashabox]

a big fooking no no

http://www.insurancedaily.co.uk/2007...owing-problem/

comes back to my original post to gamer_g

its not fronting if your parent owns the car.

im named on my dads insurance, thats not fronting. even if i drove his car more than him, its impossible to prove. if its your parents car and they're the main insurer then im sure its ok.

fronting = your car, parent as main policy holder.

taken off bbc website...

A fraud called "fronting" occurs when a young person has a car in their own name, but the insurer is falsely told that a parent is the main driver. plus, i dont think corsa's/saxo's end up on some kind of black list. most small jap stuff is more expensive to insure anyway... whats cheaper than a corsa? nothing really.

also, my CTR was £1000 to insure and i don't think an old accord type R would be much less. I agree there is some premium put on something like a CTR, but it is quick, and quicker than an ATR.

[Preegovesem]

When buying cheap cars like Corsa`s and Astra`s all make sure to get a 16valve, alot of the cheap models come as 8valve and old engine designs less power and worst fuel economy.
I think some of the 3 cyclinder corsas are 12v dont havent any experience of them though.

[mashabox]

When buying cheap cars like Corsa`s and Astra`s all make sure to get a 16valve, alot of the cheap models come as 8valve and old engine designs less power and worst fuel economy.
I think some of the 3 cyclinder corsas are 12v dont havent any experience of them though.

yeah there are some 12v corsa's. i've had good economy from 8v cars. my 1.6 8v saxo had right good economy for an old thing and was nippy enough for a little thing too.

[Mr Andrews]

i've had my license for 2 and a half years now. In that time, i've driven about 20k miles and in that time, I haven't had my own insurance.

I had a 1997 Renault Clio 1.4 S Maxim for my first car. Cost me £650 to insure under my stepdad's name.

Yes, i'm aware you have to be careful if it's under your parent's name, but if it cost about £1500 to insure a 1.0 car, that would be a big fat no from me even if you are 17.

Judging by your post though, I'm guessing you might want something around the £1000 range. IMO, any car that's been looked after with a good history without any significant problems on a test drive will be the kind of thing you want. At that price bracket, brand doesn't matter as far as i'm concerned.

So was it £650 altogether? Or did you have to pay £650 and your stepdad had to pay something aswell?

[mashabox]

just been messing around on quinn-direct insurance.

my dads about 52 and has a company car, my brothers 17 and after a first car...

Car: 1.2 corsa
Car owner: dad
Policy holder: dad
Secondary driver: brother
Price: £1100

Car: 1.2 corsa
Car owner: brother
Policy holder: brother
Secondary driver: dad
Price: £2400

Its worth saving £1300 for the sake of not getting NCD imo

[Mr Andrews]

Just checked what itd be if my mom were to insure the car, protected NCB, with me as the secondary driver. £843!

[Extipletape]

Just checked what itd be if my mom were to insure the car, protected NCB, with me as the secondary driver. £843!

Thats going to be your best bet, as long as that allows you to build no claims as a 2nd driver.

Most people as learner are named.

[Mr Andrews]

Thats going to be your best bet, as long as that allows you to build no claims as a 2nd driver.

Most people as learner are named.

My mom was saying, becuase she's a named driver on another car, she couldnt become the named driver on another car with a different insurer, is that true?

[AK47rulz]

Just checked what itd be if my mom were to insure the car, protected NCB, with me as the secondary driver. £843!

If your gonna do that make sure the car is in your mothers name etc as in the vehicle docs cos as what kyros rightly said.

V5 registered owner = parent = Insured first driver = parent +secondary drivers = you etc.

still dodgy as fook as your still defrauding the insurer (no matter which way you look at it if your the one who's gonna be driving it) but at least its harder to prove than, you being the legal registered owner and your parent being the insurance fronting purposes owner.

I know I keep banging on about it but the last thing you want as a new driver is to get done for insurance fronting cause' you will be left with high premiums for the rest of your driving future and you'll go to court.

[Mr Andrews]

If your gonna do that make sure the car is in your mothers name etc as in the vehicle docs cos as what kyros rightly said.

V5 registered owner = parent = Insured first driver = parent =secondary drivers = you etc.

still dodgy as fook as your still defrauding the insurer (no matter which way you look at it if your the one who's gonna be driving it) but at least its harder to prove than, you being the legal registered owner and your parent being the insurance fronting purposes owner.

I know I keep banging on about it but the last thing you want as a new driver is to get done for insurance fronting cause' you will be left with high premiums for the rest of your driving future and you'll go to court.

Oh right, I didn't know that. Would it be best just getting the money to pay the £1,800 insurance for the year?

[AK47rulz]

Oh right, I didn't know that. Would it be best just getting the money to pay the £1,800 insurance for the year?

well if you want to be your own man then yeah,perhaps paying for your own insurance will put you in good stead for becoming independent.

I know I wouldn't want my parents paying higher premiums on their own insurance because of me as I would feel guilty.