I even pay the extra £100 a year or whatever it is to cover myself for use of the car on business... why does using the car for business make me any more likely to crash? Also why should I pay even more tax (IPT) on something that is a legal requirement? .

Re: chucking huge amounts or proportions of earnings at an insurance premium - I figure as I don't drink alcohol or smoke, I can use the money that other people spend on that kind of stuff on what I enjoy doing - driving.

== duplicate please delete ==

Edited 21 May, 200917 yr by yegnold
duplicate post please can a moderator delete this

I wouldnt say Dodgy.... :P

My parents do use it, ok I am technically the main driver...

But its 1600 or 5000....

You decide.... Once I hit a few years no claims I shall get my own policy

Plus everyone does it!! Regardless of what car you drive at my age! 1.2 clio on my own policy would cost 2000!

That's the problem, you are the main driver. Having your name added to the policy with your parents as main policy holder means you are doing "policy fronting" also known as insurance fraud. If you can't afford the insurance, you can't afford the car. If you have an accident and the police and insurance company start asking questions, your parents (as they're the ones who took out the policy) and you could be in a seriously big pile of ****. The only legal way to do it is to take out a policy in your name and add your parents as named drivers.

Also you don't get any no claims bonus whatsoever. There are the stupid policies sold by direct line, but the no claims can only be used on another policy with them, and they aren't the cheapest around anyway.

Not trying to be nasty or anything, just trying to tell it how it is.

Some links

BBC NEWS | Programmes | Moneybox | Warning over insurance 'fronting'

Car insurers clamp down on fronting - Telegraph

?Fronting? on car insurance policies deemed 'false economy'

how do i prove we are not fronting the car insurance policy - The Consumer Forums

Edited 21 May, 200917 yr by anewman

Just got a quote for my girlfriend's brother, 17, provisional license, 1.4 Fabia Comfort, fully comp.... £800

I really hope the police stop you, because you are committing insurance fraud and making the prices go up for the rest of us

Thats really good! What insurance company???

I quote from that BBC News site '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.'

I don't personally own a car, my mum owns it, I don't pay for the insurance, I didn't pay for the car although it was brought for me, and according to my insurance provider i'm a Shared Driver with my mother, Which infact is true as she does use my car during the day when I don't need it!

So I'm insured to drive it legally at the end of the day!

Edited 21 May, 200917 yr by jonnie915

Do you do more mileage than any other driver of the car? If so, you are the main driver and the insurance should be aware of this.

Do you do more mileage than any other driver of the car? If so, you are the main driver and the insurance should be aware of this.

I think the main thing is if the car is used by the named driver for commuting. Also, if the parent has access to their own/other car they use regularly to go to work in etc this also further supports the assumption of fronting.

I think the main thing is if the car is used by the named driver for commuting. Also, if the parent has access to their own/other car they use regularly to go to work in etc this also further supports the assumption of fronting.

Hmm well on the policy, there is no 'Main driver', both me and my mum are 'Shared' drivers with my father as 'occasional' as he has his own car.

My mum does have access to my fathers car but she is down as 'occasional' as she uses my vRS more.

I would say me and my mother use it a similar amount as she uses it during day on weekdays for shopping, going out, and work 2 days a week, when I'm at college and some evenings and weekends if I am in. I purely use it on the odd evening trip and every weekend.... and during the week in the holiday periods..

SO I would say this is shared is it not? Slightly more use age on my behalf...

Now does my case sound less illegal?

both me and my mum are 'Shared' drivers with my father as 'occasional' as he has his own car.

From that and that alone I'd say you're fine...

From that and that alone I'd say you're fine...

Yeah I guess from what I said before made it sound like I was fronting!

Good to see so many under 20's driving Skodas. Just think, 8yrs ago anybody under the age of 50 wouldn't be seen dead in one. Got to be the quickest change round of a Brand ever.

23, 2001 Fabia Estate, it's a brilliant car...I didn't think there would be so many younger skoda drivers!

Hmm well on the policy, there is no 'Main driver', both me and my mum are 'Shared' drivers with my father as 'occasional' as he has his own car.

My mum does have access to my fathers car but she is down as 'occasional' as she uses my vRS more.

I would say me and my mother use it a similar amount as she uses it during day on weekdays for shopping, going out, and work 2 days a week, when I'm at college and some evenings and weekends if I am in. I purely use it on the odd evening trip and every weekend.... and during the week in the holiday periods..

SO I would say this is shared is it not? Slightly more use age on my behalf...

Now does my case sound less illegal?

So you're paying 1600 for a car your mum lets you have for two days a week?

I wouldnt say Dodgy.... :P

My parents do use it, ok I am technically the main driver...

But its 1600 or 5000....

You decide.... Once I hit a few years no claims I shall get my own policy

Plus everyone does it!! Regardless of what car you drive at my age! 1.2 clio on my own policy would cost 2000!

Oh and it is an insane car to drive at this age!

true. i did the same for the first year of me driving. its the only way of getting insured on a car these days!!

Again... SWMBO's brother... 17... provisional... 1.4 Fabia Comfort... £800

You really aren’t helping younger drivers out here with comments like that. I myself would learn from your above comments and slow down. I wouldn't risk my life on fabia brakes.

In regards to philje123. I will be honest - I sold my old car to add to my savings money. The car was then taken out on Finance for a 3 year plan.

I couldn't have done a worse job in my A levels.

I needed to get into university so went to a new college for a fresh start. I then worked my a$$ off during the week making websites and on weekends at a petrol station.

I used ever little bit of money I got for my birthdays and Christmas towards my car. I paid rent/keep every week. This all paid off meaning that my car was mine. It was only the fact that some twonk damaged my car that I sold it and moved onto the type R.

I did the same process with the type R and I'm now using the money to pay for all my university fees and house costs for this year.

I have friends that get everything they ever wanted just given to them. I'm sorry but I have worked damn hard over time to get where I am today.

I would hate for people to genralize.

Hope this helps,

Rob.

Good for you. someone who doesn't get everything on a plate.

Again... SWMBO's brother... 17... provisional... 1.4 Fabia Comfort... £800

Expect it to shoot up as soon as he's passed unfortunately.

Expect it to shoot up as soon as he's passed unfortunately.

Depends upon who your with. Directline don't change it.

My 20 year old lad wants to drive mine, Im so glad the insurance has a minimum of 25yo and 2 years experience before they will even go near him. Ah 4 years of not needing to say 'NO!' every 2 days lol.

On topic tho, Is Skoda classed as an 'undesirable' make? These insurance figures seem quite low, even for the fabia VRS

Is Skoda classed as an 'undesirable' make?

Most kid's mates these days will have Corsa's, Saxo's, Peugeot 206's, or if they have some money an Imprezza - and of course it's cool to have what your mates have. Badge snobbery towards Skoda still exists, more the fool those people really.

This is what I never understand. Most insurers have a 25 and over rule for high performance cars and yet the children of seriously wealthy people that I knew at school (about 12 years ago) and now still seem to drive fancy cars. A kid at my school had a Renault Clio Williams as his fist car at 17:rofl:. Others now that I know drive MINI Cooper S and chipped up SEAT Leons: How:confused:

Surely no matter how much money you have, surely you can't get around this policy unless you commit fraud. Another thing that puzzles me is that on some of these performance car magazines the "writers" (I use the term loosely) are extremely young and yet get insured to drive things like Zondas. Would be good if a broker could come on and explain.

This is what I never understand. Most insurers have a 25 and over rule for high performance cars and yet the children of seriously wealthy people that I knew at school (about 12 years ago) and now still seem to drive fancy cars. A kid at my school had a Renault Clio Williams as his fist car at 17:rofl:. Others now that I know drive MINI Cooper S and chipped up SEAT Leons: How:confused:

Surely no matter how much money you have, surely you can't get around this policy unless you commit fraud. Another thing that puzzles me is that on some of these performance car magazines the "writers" (I use the term loosely) are extremely young and yet get insured to drive things like Zondas. Would be good if a broker could come on and explain.

I think the 25 year old rule applies to some companies only, although I could be wrong. However, it could just be that they are fronting and the car is in their parents name.

This is what I never understand. Most insurers have a 25 and over rule for high performance cars and yet the children of seriously wealthy people that I knew at school (about 12 years ago) and now still seem to drive fancy cars. A kid at my school had a Renault Clio Williams as his fist car at 17:rofl:. Others now that I know drive MINI Cooper S and chipped up SEAT Leons: How:confused:

Surely no matter how much money you have, surely you can't get around this policy unless you commit fraud. Another thing that puzzles me is that on some of these performance car magazines the "writers" (I use the term loosely) are extremely young and yet get insured to drive things like Zondas. Would be good if a broker could come on and explain.

It's not all companies. My insurance policy specifically excluded any driver under 21 when I had the Fabia vRS, but there's plenty of young Fabia vRS drivers here.

On topic tho, Is Skoda classed as an 'undesirable' make? These insurance figures seem quite low, even for the fabia VRS

My Fabia vRS was the cheapest car to insure I've had for years.

Edited 26 May, 200917 yr by cjb

I even pay the extra £100 a year or whatever it is to cover myself for use of the car on business... why does using the car for business make me any more likely to crash?

Using the roads more during busy periods. Also the possibility of having work equipment stolen (eg: a laptop, tools).

Quite a few companies don't charge unless you are carrying goods- mine don't.

And at least one of the vrs drivers here has a completely legal policy for whcih he pays a large amount of money, and would appreciate not being lumped in with others who cheat the system and save themselves some money

And at least one of the vrs drivers here has a completely legal policy for whcih he pays a large amount of money, and would appreciate not being lumped in with others who cheat the system and save themselves some money

I'm pretty sure you're not the only one.

Insurance companies are a lot hotter on finding fronting out these days.