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**AK47rulz** · 12-14-2008, 09:29 AM

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

12-14-2008, 09:29 AM	#21
AK47rulz Join Date Nov 2005 Posts 612 Senior Member	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
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