GodAtum 0 Posted November 15, 2012 Share Posted November 15, 2012 Lets say i use my car 10 times a week. I drive 5 times and my dad drives the other 5. Whos the main insurer? if I put my dad down is that illegal? Link to comment Share on other sites More sharing options...
Darth Maul 22 Posted November 15, 2012 Share Posted November 15, 2012 I'm not 100% on things like this but it would be the person who OWNS the car wouldn't it .. ? Link to comment Share on other sites More sharing options...
medic1 0 Posted November 15, 2012 Share Posted November 15, 2012 Lets say i use my car 10 times a week. I drive 5 times and my dad drives the other 5. Whos the main insurer? if I put my dad down is that illegal? hmm well they wouldn't be above to prove fronting as such but the insurers usually ask if the registered keeper is the main driver. if you answered yes then its who ever is the registered keeper. remember the registered keeper can be different to the legal owner. Link to comment Share on other sites More sharing options...
SC Ben1546081185 101 Posted November 15, 2012 Share Posted November 15, 2012 Fronting is when you put a parent (or someone with high ncb) as the main driver but they have no intention of driving the vehicle and is purely done for the cheap insurance. Basically, in your situation it doesn't matter, as long as you're both driving it equally or not taking the mick. Insurance companies tend to notice it when the person driving the car more is the name driver, starts alarm bells. I stopped a modified vehicle once that had a young kid driving. Insurance came back to a 50yr old male as the policy holder and kiddo as named drivers. Kiddo said it was dads work car and that he only drove it at weekends. I probably would have believed him more had the vehicle not have been quite highly modified, low as the ground with a huge spoiler. Needless to say, after a phonecall to the insurance company, the vehicle was seized for no insurance. 1 Link to comment Share on other sites More sharing options...
IrateShrike + 1,850 Posted November 30, 2012 Share Posted November 30, 2012 (edited) Fronting is when you put a parent (or someone with high ncb) as the main driver but they have no intention of driving the vehicle and is purely done for the cheap insurance. Basically, in your situation it doesn't matter, as long as you're both driving it equally or not taking the mick. Insurance companies tend to notice it when the person driving the car more is the name driver, starts alarm bells. I stopped a modified vehicle once that had a young kid driving. Insurance came back to a 50yr old male as the policy holder and kiddo as named drivers. Kiddo said it was dads work car and that he only drove it at weekends. I probably would have believed him more had the vehicle not have been quite highly modified, low as the ground with a huge spoiler. Needless to say, after a phonecall to the insurance company, the vehicle was seized for no insurance. And that seizure would have been unlawful, even if the insurance company there and then 'canceled' the policy over the phone. Edited November 30, 2012 by adslegend 4 Link to comment Share on other sites More sharing options...
Jellybean 417 Posted December 1, 2012 Share Posted December 1, 2012 In this situation if we we're told that you drive the car 5 times a week and your father drives the car 5 times a week, we would ask how long you are using the vehicle for on the day. If your father used it for 2 hours a day, 5 times a week and you used the vehicle for 6 hours a day, 5 times a week. You would be the main driver. Hope that helps Link to comment Share on other sites More sharing options...
Ndaw4 0 Posted January 2, 2013 Share Posted January 2, 2013 Needless to say, after a phonecall to the insurance company, the vehicle was seized for no insurance. Can you explain why? Not being picky or trying to instigate an argument, genuinely curious. Link to comment Share on other sites More sharing options...
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