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**stutnerman** · 12-14-2008, 07:31 PM

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

Using your example, it could be disputed that I was using that car for the week and I was actually planning to take it back the following weekend.

Saxos/Corsas are all placed on the boy-racer list. So if I was you OP, I wouldn't touch them lol. Which probably explains why if I was to be insured on a Accord Type R, it's like 2x cheaper than being insured on a CTR.

I've got my own policy now anyway, so my mum is 2nd driver. The V5 is still under her name, and it always has. She has her own car though and is insured on a total of 3 cars.

12-14-2008, 07:31 PM	#25
stutnerman Join Date Oct 2005 Posts 492 Senior Member	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 Using your example, it could be disputed that I was using that car for the week and I was actually planning to take it back the following weekend. Saxos/Corsas are all placed on the boy-racer list. So if I was you OP, I wouldn't touch them lol. Which probably explains why if I was to be insured on a Accord Type R, it's like 2x cheaper than being insured on a CTR. I've got my own policy now anyway, so my mum is 2nd driver. The V5 is still under her name, and it always has. She has her own car though and is insured on a total of 3 cars.
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