Question by passonknowledge | Posted in Insurance & Registration
I'm aware is an offence, but I was wondering how would the insurance company become aware of this? They ain't going to keep watch of whose driving the car are they?? Sounds like big brother if they do!
Hi.
I dont think you understood me what I meant was if I'm insured second driver, but I drive the 90%, how will they find out that is the case?
Answer: they probably don't, but if anyone other then the insured is driving the car, when it is "pulled over" or is involved in an accident, you and they will be in deep sh.t
Insurance Fronting - Age Of The Insured?
Question by Nigel Doe | Posted in Insurance
There is lots in the news about Insurance Fronting and young drivers; however, if a 40 year old woman has just passed her test and the car in which she is the main driver is insured in her husbands name (who has been driving for 20+ years) would this still be considered as fronting?
Answer: Yes, age is not the factor, if you are the main driver you must be listed as such on insurance.
Insurance Fronting ( Making Car Insurance Cheaper )?
Question by Tammy L | Posted in Insurance & Registration
If i'm not the owner of the vehicle ( my mum is ), yet im still insured on the policy as a named driver but im the main driver am i commiting insurance fronting.
insurance fronting states that if you are the owner of the vehicle but only a named driver this is called insurance fronting, but im not the owner but a named driver does the same rules apply
Answer: Yes you are and if the insurance company finds out they will/may/could, not cover you in the event of an accident, withdraw the insurance, charge you/your mother with insurance fraud.
Okay, I'm 17 male, as you probably know the insurance is ridiculous for males my age. The cheapest quote i have for comprehensive insurance is 3500£ (its a fiesta sport model so is more expensive), i would definitely want comprehensive. Now my question is about insurance fronting, as I've looked at the price with my mom as the main driver, it goes down to 1300£, with me being a named driver. How can they reject your claim and how can it be illegal if I drive the car less than my mom?! thanks
Answer: You posted to the USA board, ya know, and "fronting" is a UK issue. As you know.
They can reject your claim, because you lied on the application. If there are two household members (you and your mom) with license to drive, and two cars, each of you MUST be a primary operator on at least one car.
You cannot list ONE person as primary on ALL the cars, so that none of the other drivers are "primary".
If, however, this is the ONLY car in the house, and it really is mom's main car, then it's not fronting to list you as a secondary driver, if mom drives it more than you do.
Question by ρяєтту♥ ğяєєи♥ єуєš♥ | Posted in Insurance & Registration
I'm 17 years old and recently passed my driving test. My parents bought a second hand car (Peugeot 106) two years ago for me and my brothers to learn to drive in (as the time comes for each of us). My mum has been put down as the main driver and my dad, older brother and I are all down as named drivers. We have two other family cars (one of them is a company car) which only my parents are insured on. My dad mostly drives the company car and my mum alternates between both the other cars depending
Answer: I'd say since you're living at home and not taking the car to uni you're probably OK, but it might be best to check with the insurance company.
This causes problems not usually in apply oneself of care flitting in in between a internal insurer as well as a insured though additionally either a internal insurer has a (re)insurable seductiveness or, indeed, either it has suffered a detriment... Typically, a internal insurer will pass upon 100 per cent of a risk to a all risks skill insurer and, indeed, a claims might be staid without delay in in between a strange positive as well as a reinsurer. The insurer is, however, permitting a name to be used upon a process and, legally, it is still probable for a assured’s claims in a eventuality of a all risk skill insurer (now reinsurer) apropos insolvent. Problems do infrequently movement where an perplexing settlement of cross-guarantees have been provided, a outcome of that is that a internal insurer can never be probable in any resources for a claims. Certainly, a internal insurer will embrace a little form of remuneration for permitting a name to be used....
“If an insurer has low retention limit, then such insurers only act as an insurance service provider than as a risk bearing insurer. This amounts to fronting. Fronting insurers only rely on ceding commission without developing national retention
In recent years, the insurance market in Costa Rica has experienced a process of innovative transformation. The long-awaited transition from a monopolistic market into a competitive arena has attracted various foreign insurers, while local consumers
According to personal finance website MoneySupermarket.com, some families (14%) avoid the great disparity in insurance premiums for different generations by “fronting” – when adults insure their child to drive by pretending to be the main driver.
Martinez said there are hundreds of cabs in the Southeast communities, many of which are operating in Huntington Park without the background check, safety record or proof of insurance needed for a city permit. Even taxi cabs and drivers who have
We segregate our business into two segments: insurance operations and other. The insurance operations are further classified into three divisions: excess and surplus lines (E&S), alternative risk transfer (ART) and assumed reinsurance (Assumed Re).
