will_doyle
Banned
Registered: 25th Nov 08
Location: Exeter
User status: Offline
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quote:
Originally posted by DannyB
How long are you planning on going on your mums policy?
a year probs
why u ask?
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Jamie_Hastings1
Member
Registered: 14th Aug 08
Location: Sanquhar, Dumfries and Galloway
User status: Offline
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quote:
Originally posted by will_doyle
quote:
Originally posted by Jamie_Hastings1
Its called fronting. If your mum insures a car,and you both drive its fine. But if drive it more than your mum,and they can prove this ie the car is parked at your house and not your mums etc then its fraud.
So I cant take the car out for a drive and park at my house? I have to drop it back at my mums?
btw.. I live with my mum
lol
I only used the parking at a different house as an example.
You can do it. But if your mum drives to the shop once a month,but you rag it round the local bypass and j turn in Mcds every night then its your car. You drive it more. This is coming from experience.
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GF-91
Banned
Registered: 8th Jul 09
Location: Burnley!
User status: Offline
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I'm confused as to how they would find out though. They'd have to spy on him I'm sure.
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DannyB
Premium Member
Registered: 6th Feb 08
User status: Offline
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quote:
Originally posted by will_doyle
quote:
Originally posted by DannyB
How long are you planning on going on your mums policy?
a year probs
why u ask?
If you can afford it it's worth it to go on your own and get a years no claims.
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will_doyle
Banned
Registered: 25th Nov 08
Location: Exeter
User status: Offline
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quote:
Originally posted by GaryF
I'm confused as to how they would find out though. They'd have to spy on him I'm sure.
exactly
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will_doyle
Banned
Registered: 25th Nov 08
Location: Exeter
User status: Offline
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quote:
Originally posted by DannyB
quote:
Originally posted by will_doyle
quote:
Originally posted by DannyB
How long are you planning on going on your mums policy?
a year probs
why u ask?
If you can afford it it's worth it to go on your own and get a years no claims.
I cant at mom..
Im with Quin... after a year dont they give you a years no claim (if you get it) if you stay with them?
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GF-91
Banned
Registered: 8th Jul 09
Location: Burnley!
User status: Offline
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And how would they go about proving that at one point during the week you use the car and at the other point of the week your mum uses it?
E.g. My mate uses his focus to get to and from college and to and from work; and whereever else he wishes to go. And his dad takes the car from 9pm-5am every week night.
Perfectly legal if you ask me. They are both using the car.
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Jamie_Hastings1
Member
Registered: 14th Aug 08
Location: Sanquhar, Dumfries and Galloway
User status: Offline
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They contact police etc. Then piece together information. Ask who they see driving it,where it sits etc. My mate had a 03 Saxo a few years ago which was a 4k car at the time. He crashed it and the insurance didn't pay a penny out as they found out that the car sat at his house and not his dads and they said it was fraud as it was his car.
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GF-91
Banned
Registered: 8th Jul 09
Location: Burnley!
User status: Offline
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Difference being he hadn't notified them he had changed address.
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X16joeXE
Member
Registered: 26th Jul 09
Location: Tarvin, Cheshire
User status: Offline
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Also if the majority of the contents of the car is your they will aviod paying out i.e your CD's, documents, maybe sub, clothes anything that proves your in it more than her.
Im paying £1100 tpft in my own name with 2 years NCB lol.
It was £800 on my first car (1.2sxi corsa b). Dad as the registered keeper but me as the main driver.
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jake_rob
Member
Registered: 25th Feb 09
Location: Offerton, Greater Manchester
User status: Offline
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i pay £1150 fully comp in my own name and im 17 and that was from the day i passed my test on a 1.4 16v sport which ive now wrote off 
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sand-eel
Member
Registered: 15th Mar 07
Location: carluke/braidwood--IRNBRULAND
User status: Offline
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What does ty mean?
Why don't you just put the ownership in her name and put you as a named driver, at least that will be more legal.
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X16joeXE
Member
Registered: 26th Jul 09
Location: Tarvin, Cheshire
User status: Offline
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TY=thankyou i think lol.
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sand-eel
Member
Registered: 15th Mar 07
Location: carluke/braidwood--IRNBRULAND
User status: Offline
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I see, thought it would be something more daft.
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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quote:
Originally posted by sand-eel
I see, thought it would be something more daft.
y
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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Seems like a good price so long as that is your specific arrangement with your mum.
As mentioned, you shouldn't use an arrangement like this to obtain cheaper insurance but also being named on a car doesn't mean you can't legitimately use it some of the time.
I'm insured on my mums Freelander and I use that legitimately and without issue, but it's cheaper than if I were to insure it myself because she's twice my age and does very few miles anyway.
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dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
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£120 a month = £1440 a year, TPFT, 18 with your mum as a main driver 
Thats a hell of a lot of money considering its not even your own policy, and it will only be the same next year because of no NCB 
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Nick A
Member
Registered: 28th Nov 04
Location: Hertfordshire
User status: Offline
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Tis a fronted risk that, your trying to obtain a cheaper price by having your mum as the policy holder even though you will be driving the car 90% of the time
Some insures dont allow you to be named beneath your mums name until the named child is 25 or over (HIC do this).
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Rich H
Member
Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline
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Will still be better with Quinn in the long run as they dont give you an NCB after your first year with them as they give you a good introductory bonus. Works out cheaper in the long run sticking with them though. Did with me. If you can afford to pay for your own policy, do it, it will help to make your premium cheaper quicker if you build up your own NCBs.
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cpcrampton
Member
Registered: 16th Feb 07
Location: Stirling
User status: Offline
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I'd rather be crashed into by him than some nugget that has banged a xe in and not declared it. 2.0 in reality, 12v on paper.
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