Hypothetical question :

Would it be fronting/ devalidate my insurance if I was to be a named driver on my mums policy if she was the registered owner of the car that I drove?

Hypothetical question :

Would it be fronting/ devalidate my insurance if I was to be a named driver on my mums policy if she was the registered owner of the car that I drove?

as far as I'm aware, there is no problem with this however alot of insurance companies have clicked on to young drivers doing this and will not allow it.

when i tried it with quin in november they said that they wouldnt do it.

hope this helps

oh right so they couldnt turn around and say its clearly your car? Also what do you think would be there reaction to my mum ringing up and saying she wants to add coilovers etc to the policy? Might get suspicious then?

Edited 3 June, 201016 yr by richoco

I was under the impression it only becomes questionable if one of the named drivers drives the car more than the policy holder.

Hypothetical question :

Would it be fronting/ devalidate my insurance if I was to be a named driver on my mums policy if she was the registered owner of the car that I drove?

as far as I'm aware, there is no problem with this however alot of insurance companies have clicked on to young drivers doing this and will not allow it.

when i tried it with quin in november they said that they wouldnt do it.

hope this helps

Fronting is indeed when a named driver is actually the main driver of the vehicle. I mean yes technically it would be fronting if your mum was the policy holder thus making her the main driver of the car and you were the named driver (but actually the main driver of the car)

But as most people will tell you matey, how tcan they prove it?? they going to follow you round 24/7 to see who uses the car the most??

Alot of people on here have done this, and its worked out cheaper for them and insurance companies haven't questioned it.

ok cool cheers for the help.

still a bit concerned about declaring mods though. might ring alarm bells if a 50 year old woman who works in local govermnent lowers her car which her 18 year old son also happens to drive ha. or would they not look into it do you think?

Edited 3 June, 201016 yr by richoco

Hypothetical question :

Would it be fronting/ devalidate my insurance if I was to be a named driver on my mums policy if she was the registered owner of the car that I drove?

as far as I'm aware, there is no problem with this however alot of insurance companies have clicked on to young drivers doing this and will not allow it.

when i tried it with quin in november they said that they wouldnt do it.

hope this helps

Fronting is indeed when a named driver is actually the main driver of the vehicle. I mean yes technically it would be fronting if your mum was the policy holder thus making her the main driver of the car and you were the named driver (but actually the main driver of the car)

But as most people will tell you matey, how tcan they prove it?? they going to follow you round 24/7 to see who uses the car the most??

Alot of people on here have done this, and its worked out cheaper for them and insurance companies haven't questioned it.

True, but as i said they are gotting wise to this and some companies will no longer allow it.

is what i'm doing illegal (i hope not)

My Car -> Me Main Driver -> 2 friends (who are never going to use the car) as named drivers on my policy just to get the policy cheaper.

is what i'm doing illegal (i hope not)

My Car -> Me Main Driver -> 2 friends (who are never going to use the car) as named drivers on my policy just to get the policy cheaper.

dont think so mate.

someone asked it in here: click

and he said you can add as many people as you want even if they never drive it.

nice 1.

Cheers for the link too

I don't think they'd look into it at all, they're far too busy...

...until you have an incident and you make a claim - that's when they'll twig and if they can prove that you drive it mainly and it is in fact yours then they won't pay out. But not sure how they'd prove that.

Duey no thats no illegal

Spade, they wont twig or bother looking into it....trust me its happened on 2 seperate occassions to me

Ummm tbh most insurance companies wont even let you mod a car anyways dude until your over 21, dont get me wrong some will but alot of people on here dont declare their mods

Not saying its adviseable but its not uncommon. But wouldnt have thought if you did they are going to look into it too much, providing obviously your mum rings and declares it

yeeeh true, but they should let my mum declare them. just dono whether it'd be better to declare mods and stay on my mums or get my own with mods declared for 1500 with admiral...

Well what is the cost of the policy with your mum as the main driveR?

just under 1000

not sure with mods declared yet tho...

Edited 3 June, 201016 yr by richoco

Find out with mods declared and then make a decision. As if its cheaper go for the cheaper option, i shouldnt think they would get suspicious and even if they do whats the worst they can do is turn round and say ahhh sorry wwe cant insure you and then you just get your own policy.

cool cheers mate

I did this in my first year (18) and had no problems, although I never had the need to test it because I never made any claims. This was mom as registered keeper and policy holder.

I also got my mom to declare mods and they didn't say anything. I had to give her a script with every possible detail they could want, if she was asking me stuff while on the phone it could have looked a bit dodge

I did this in my first year (18) and had no problems, although I never had the need to test it because I never made any claims. This was mom as registered keeper and policy holder.

I also got my mom to declare mods and they didn't say anything. I had to give her a script with every possible detail they could want, if she was asking me stuff while on the phone it could have looked a bit dodge

haha nice one. thats what I was worried about. whilst on phone: "why do I want to lower it Richard?" haha

I work for an insurance company and this is fronting for sure. If we get customers ringing up with modified cars and any names driver under 21, we refuse to quote.

In an accident situation the assessor would view the vehicle, if the car had coilovers wheels tinted widows etc they would investigate the named drivers.

Trust me insurance companies will do ANYTHING to avoid a pay out.

Oh right. For the extra 500 I think id rather play it safe and get my own. U say they'd refuse to quote but what If I already had the above policy under my mums name and wanted to add mods? Would they then turn around and question it? Cheers

Yeah for sure mate.

Honestly I know its gash but your sooo much better off with your own policy and mods declared.

If worst came to the worst, would you rather pay your £1500 plus your excess and be done with it, or have your insurance voided, pay legal fees out your own pocket, have to fix someone elses car or replace it, the list goes on.

Hope this helps mate.

yeah thanks for the help. If it's dodgy id rather sort it all out properly mainly cos I'm concerned about if i hit someones nice car or injured them then have the police at the scene, and sitting there in an uninsured motor. I'm such a worrier haha

also with admiral u can declare lowering <40mm or lowering >40. u reckon thatd be an issue as my coilies can lower 40mm or more but its whether they would ever check?..

Edited 3 June, 201016 yr by richoco

It depends from insurer to insurer. Some on our pannel only ask if its lowered, others need the exact amount.

I think their arses fall out if the car is more than 40 mm as it affects the ride of the car quite alot. (not 100% certain though

if the car is in your name the policy has to be in your name,

when i bought my first car i insured it with directline in my mums name with me as a named driver, i had to sign the logbook over to her to make the policy valid.

and with regards to modifications every insurer i have been with (that are not rediculously priced) will cover the mods on the main driver (if over 21/25) but if declared it invalidates anyone under these ages (even if listed on the policy) immediatly.