Ahhhh I see. What your trying to do is indeed fraud, its technically called "fronting"...

+1

It is indeed fronting. Both yourself and any parent involved are liable to prosecution. Insurance companies lose a lot of money due to this fraud and so it is rare that they don't inform the police when it is discovered.

You can end up with a criminal record, six points on your license (so loss of license and retest), credit problems and VERY expensive insurance (if anyone will insure you).

You can't insure something you have no legal insurable interest in and yes it's illegally do so, what you're doing is fronting as you are misrepresenting the principal risk (driver) to the insurer as your mum when you've clearly told us you will be the main driver.

Insurance companies aren't stupid, a claim where a young named driver is driving and the RK is the father and the principal insurance risk is the mother (who both happen to have another active policy on separate cars) sticks out a mile before you look at the NCB situation. If you think 5k is a lot consider for a moment how much more you'd pay if you hit another car, it's a total loss and the occupants have personal injury, your insurer claims you've misrepresented the risk and refuses the claim. You not only have a personal liability which the other insurer will happily come after you for (imagine cost of other party's car, injury, medical costs, loss of earnings, recovery of cars, storage, solicitors costs etc.) but you have a liability to your own insurer for recovery etc and it's fees in respect of recovering it's costs from you and the prospect of repairing/replacing your own car. Oh and as you were uninsured at the time of the incident you've now got to worry about the legal implications. Worst case you could be bankrupt, banned and banged up.

Either way you'll be checking the 'Have you ever had insurance cover refused' for the rest of your life and the one thing insurance companies live to screw people for more than drink driving or speeding, driving bans etc. is driving without insurance.

Unfortunately today the main hurdle for young drivers isn't the test or the cost of the car, it's the insurance. My advice is find out if any insurer will give you a discount for pass plus, work the comparison/cashback sites, consider a black box policy, restrict mileage and go for as low an insurance group as possible, also consider waiting a few years, I did and it saved me a small fortune vs. working just to be able to afford to pay for car insurance.

Any change made to the vehicle (including optional extras) need to be declared.

There are many insurers on the market who cater for modified cars.

http://www.skyinsurance.co.uk/car-club-insurance.html

Admiral only wanted an extra £70 if I chose to remap the car up to 20%, I was 22 at the time. None of the specialist performance/modified insurers came anywhere near their overall quote. They couldn't quote me on a RARB though, the underwriter said it was "high risk" and they then asked me if I'd be taking it on a track. But not all that impressed with Admiral, although I've not had to claim.

Edited 10 May, 201214 yr by ckyliu

Tell em everything from factory standard. Not worth risking your insurance, should you have an accident.

I would get a quote on anything you're thinking of doing first, so at least you'll have an idea of any additional costs.

On my old car, I told them I was going to remove the ST badge. The robbing buggers wanted an extra £75 for the year, so I told them to sling their hook!!

Some of the larger companies are ok for a few mods, but past a remap or lowering they dont have much of a idea what a lot of mods are! Plus when you start adding more than one or two they become less competitive, sometimes refusing to cover.

You tried elephant mate? I did the 'fronting' thing for the first 2 years of driving, bit of a risk but saved me loads of money lol. I wouldn't advise it tho! If you crash then your in poo! With regards to mods, everybody has their own view about declaring etc, but I can garantee you that a lot of people don't tell their insurance about modifications! Its all a gamble tbh! I got a civic type r now, 0 no claims, 1 claim against me and 21 years of age. 1200 quid with elephant!

Everyone is jumping on this band waggon of telling me im fronting!

If i tell them im the main driver, whats the problem? why give me a quote then?

However, im only getting quotes with me as the main driver as it was the easier thing to do, but i only use the car for going to college two days a week, i work long hours every other day of the week apart from sunday.

I've always thought fronting is more... having a car i only use and putting a parent down as a full time user with me hardly ever using it.

Im still sure what im thinking of doing is fine, im going to ring the insurance company and explain / get quotes tomorrow and see what they say.

Edited 10 May, 201214 yr by hutchysrs50

You tried elephant mate? I did the 'fronting' thing for the first 2 years of driving, bit of a risk but saved me loads of money lol. I wouldn't advise it tho! If you crash then your in poo! With regards to mods, everybody has their own view about declaring etc, but I can garantee you that a lot of people don't tell their insurance about modifications! Its all a gamble tbh! I got a civic type r now, 0 no claims, 1 claim against me and 21 years of age. 1200 quid with elephant!

Anybody els on your policy or anything?

------------------------

Another annoying thing is, i know people who have loads of undeclared modifications, including full limto tints all round, can hardly see out of any window at night... Crashed his car, got a full payout and no questions asked!

EDIT!! : Just checked with Elephant and they are brilliant! With me as the main driver with no ncb or anything & nobody els on the policy, so no fronting! mines £1500 with modifications declared!

oh and i have pass plus but they didnt ask anyway

Result!

Edited 10 May, 201214 yr by hutchysrs50

Hutchy, if you're going down that route. Ring back elephant and get another quote with your mum and dad as named drivers. It should bring your premium down by quite a bit!

And it's totally legit and your parents won't need to use their no claims towards it etc

I wasn't having a go buddy, just explaining how it is. Iv yet to find a insurance company that is happy to have the main driver not be the policy holder. However, sounds like your sorted now, you as the main driver & policy holder is the best way for sure! Once you get a couple of years NCB under your belt you'll see the price tumble.

It was cheaper with one parent on but more when i put them both on so just having my dad on at the minute, he likes to use my other car every now and then for works nights out and things.

Im really pleased with them actually, it was around £1700 for 12 month or £1500 if i go with the 10 month no claims bonus accelerator, so every 10 month of driving i get another years ncb, so im doing that also. Yes i get 2 month less driving but it'll be cheaper when it comes to renewal in 10 month time and should be better in the long run. Happy days. :sun:

...if i go with the 10 month no claims bonus accelerator, so every 10 month of driving i get another years ncb...

Be careful with bonus accelerators. They ncb bonus usually only applies to the insurance company offering it. If you go to another insurer after 10 months, you will have 0 years ncb. Only if you transfer after 12 months will you have a years ncb. It's a way of trying to lock you in.

Depends on your birthday too I think, someone on here worked out for them it was cheaper to do a full 12 months and have a full years driving, NCB & a year older then just a NCB of a year

Tell them nothing & should the worst happen then you would probably be not covered. I.E., you personally could be held accountable for costs. Yes, people may not inform insurers of mods, but do you really want a £4000 investment be null & void from the outset when you need to call on it? And then face criminal charges?

I was with one insurer who decided that non-Skoda light bulbs (i.e, osram night breakers) were an unacceptable modification. Told them where to go. Now with a very mod-friendly insurer.

Bit of humour with my comment...................

I have just renewed my policy with Swift Cover via Confused. Added the mods that can be seen, i.e. wheels, brakes, grill, tints etc and I was very surprised at the price.......................... £283 fully comp.................. .

39 yrs old

FCB (as a second car)

No accidents or convictions etc.

Very happy with that, paid it in a oner incase it was a mis-print...............

I got stung by an insurance company several year's ago (5 at the end of this year) where I was cut up leaving a car park and ending up side swiping the guy who cut me up. The insurance assessor came to view the car and because the car had none standard mirror's on from when it left factory (bearing in mind it was a classic MIni and the original hadn't been made for 15 year's+) they refused to pay out. I'm still to this day fighting trying to get them to pay out for the damage.

Since this I've never run the risk and declared every single mod and it's not always as bad as you may think. Just been insured with flux on the vRS with lowered, alloys, FMIC, remap, roof wrapped uprated brakes and a few more bits for £950 fully comp on a like for like mod basis. I'm 23 with 3 years NCB and 2 claims against me.

Personally, I can only see the insurers' line of "factory-fitted optional extra = modification" as creating problems for them - as the common perception of a "modification" is something done to the vehicle after purchase, they need to inform the customer of their definition of modification when a quote is generated, and in the terms of the policy. Naturally, this means that more people are likely to complain.

I imagine that what they are actually trying to do is accurately risk-assess vehicles with high-value optional extras (e.g. sat-nav), which I guess are more likely to be stolen, and more expensive to replace. In my opinion, not having this as two clear and obvious questions ("is it modified", and "are there any optional extras fitted, above £x"), is somewhat asinine.

As a corollary, is it reasonable to expect someone to know what optional extras were fitted to a car, if they purchased it second-hand? Once a model's out of production, it's not as simple as going to the manufacturer's web site and getting the specification list, and when things are "facelifted" the specification is sometimes changed (e.g. some of the storage boxes on the Octavia stopped being standard on some trims). The FSA require that it to be deemed an omission, the insurer has to be able to demonstrate the customer was aware (or would reasonably have been aware) of the alteration.

The insurance assessor came to view the car and because the car had none standard mirror's on from when it left factory (bearing in mind it was a classic MIni and the original hadn't been made for 15 year's+) they refused to pay out. I'm still to this day fighting trying to get them to pay out for the damage.

Would either of these be relevant?

http://www.financial...urance.htm#cs10

http://www.financial...urance.htm#cs11

In cases where a consumer "deliberately" or "recklessly" fails to disclose a material fact, the insurer is able to "void" the policy (treat it as if it never existed). But if the non-disclosure was "innocent" or "inadvertent", then the insurer should re-write the insurance on the terms it would have offered – if it had known all the facts.

Yes mate got my mum and dad on as named drivers.