named driver-how does it work??

ABajaninCork

It's oh so quiet...:D

AltAccount

The important thing to be grateful for is that, even though he's not gracing us with his presence, he's still helping people with their motor insurance queries:
http://www.boards.ie/vbulletin/showthread.php?t=2056852260

areyawell

AltAccount wrote: »

The important thing to be grateful for is that, even though he's not gracing us with his presence, he's still helping people with their motor insurance queries:
http://www.boards.ie/vbulletin/showthread.php?t=2056852260

Hows everyone keeping?

R.O.R

areyawell wrote: »

Hows everyone keeping?

Shouldn't you be sharing the insurance companies response?

I really should be in bed by now, but I've been hanging on for the confirmation that you are correct and everybody else who posted in the thread is wrong. Despite some of them working in insurance, and some of them for who driving daddy's car is a bit of a come down from their own at this stage of their life.

AltAccount

areyawell wrote: »

Hows everyone keeping?

Feeling very curious tbh...

areyawell

R.O.R wrote: »

Shouldn't you be sharing the insurance companies response?

I really should be in bed by now, but I've been hanging on for the confirmation that you are correct and everybody else who posted in the thread is wrong. Despite some of them working in insurance, and some of them for who driving daddy's car is a bit of a come down from their own at this stage of their life.

I got a response through email, and to sum it up, If a named driver is using the car for their main transport to work or college and the car is located daily at a different residence, they consider this fronting. Own insurance must be taken out.

If parent buys a second car to insure there son/daugther as a named driver in order for them to learn to drive as they don't want to risk possible damage to their own vehicle, this is not fronting. If the named driver use the car as main method of transport, own insurance must be taken out.

But again I state they will not be able to prove anything. Everyone does it.

ResearchWill

areyawell wrote: »

I got a response through email, and to sum it up, If a named driver is using the car for their main transport to work or college and the car is located daily at a different residence, they consider this fronting. Own insurance must be taken out.

If parent buys a second car to insure there son/daugther as a named driver in order for them to learn to drive as they don't want to risk possible damage to their own vehicle, this is not fronting. If the named driver use the car as main method of transport, own insurance must be taken out.

But again I state they will not be able to prove anything. Everyone does it.

If you read a post of mine earlier, you will know that an insurance company did find out and made noises about going after the parent for an indemnity. How did they find out well it was very simple a employee of the insurance called to the parent for a chat over the tea she just told him. Simple question from mr nice insurance man, simple answer, sure that's not my car little Johnny bought it but put it in my name cause sure the insurance would have been way more otherwise.

There are other ways, they send an investigator, he chats to neighbours, insurance companies are trying very hard not to have to pay out or if they pay out to try and recoup from someone else.

BTW standard practice in a lot of claims now, the social media search, I have heard of two cases where Facebook pages lost plaintiff's the case. Also little Johnny posting pics of his pride and joy, and I kid you not people actually post stuff like "I got a great deal on insurance, cause I put the car in the parents name" etc.

AltAccount

areyawell wrote: »

I got a response through email

Who did you email, your own insurers or randomers?

Did you use your own situation or a hypothetical?

areyawell

ResearchWill wrote: »

If you read a post of mine earlier, you will know that an insurance company did find out and made noises about going after the parent for an indemnity. How did they find out well it was very simple a employee of the insurance called to the parent for a chat over the tea she just told him. Simple question from mr nice insurance man, simple answer, sure that's not my car little Johnny bought it but put it in my name cause sure the insurance would have been way more otherwise.

There are other ways, they send an investigator, he chats to neighbours, insurance companies are trying very hard not to have to pay out or if they pay out to try and recoup from someone else.

BTW standard practice in a lot of claims now, the social media search, I have heard of two cases where Facebook pages lost plaintiff's the case. Also little Johnny posting pics of his pride and joy, and I kid you not people actually post stuff like "I got a great deal on insurance, cause I put the car in the parents name" etc.

I get that but even when I was chatting to my insurance company they didn't even care. I was bargaining down the insurance down for the second year, paid the named driver insurance through my bank account twice, ring me and not my father the main driver on the account. Offer me the same no claims discounts as a named driver as having my own insurance. Dunno just find it strange. Sister's car got burned out as a named driver on her own car and the insurance company had no problem paying out. Just find it odd people here claiming that you will definitely get done when half the country does it. Same happened one of my friends who hit into the back of a car in a car park. The other crowd went through his insurance(parents second policy with no loss to no claims discount not affected on their own car, only the second policy) with no questions asked. Although his premium did go up a fair bit on the second policy!

areyawell

AltAccount wrote: »

Who did you email, your own insurers or randomers?

Did you use your own situation or a hypothetical?

Two random companies just out of curiosity.

AltAccount

areyawell wrote: »

Just find it odd people here claiming that you will definitely get done when half the country does it.

I dunno if anybody actually said that. Certainly people said it's wrong, and illegal, but not that you'll definitely get done.

AltAccount

areyawell wrote: »

Two random companies just out of curiosity.

But, did you not agree to call your own company with your own situation?

Why didn't you? Do you not believe in what you're saying?



Edit: yep, here it is

areyawell wrote: »

AltAccount wrote: »

I'm asking you to:

1. call your insurance company (or your parent's)
2. explain to them exactly what your situation is with regard to the usage patterns of your car
3. confirm with them if that's within the contract terms & conditions

If you're not happy to do that tomorrow, and post the results of the conversation, then you're as good as admitting that you're a bluffer and a waffler and that you're completely happy to give people made up advice based on absolutely no information other than your ill-informed twaddle.

Fine I will.

areyawell

AltAccount wrote: »

But, did you not agree to call your own company with your own situation?

Why didn't you? Do you not believe in what you're saying?



Edit: yep, here it is

No I didn't, had no credit.

AltAccount

*unfollows thread*

ResearchWill

areyawell wrote: »

I get that but even when I was chatting to my insurance company they didn't even care. I was bargaining down the insurance down for the second year, paid the named driver insurance through my bank account twice, ring me and not my father the main driver on the account. Offer me the same no claims discounts as a named driver as having my own insurance. Dunno just find it strange. Sister's car got burned out as a named driver on her own car and the insurance company had no problem paying out. Just find it odd people here claiming that you will definitely get done when half the country does it. Same happened one of my friends who hit into the back of a car in a car park. The other crowd went through his insurance(parents second policy with no loss to no claims discount not affected on their own car, only the second policy) with no questions asked. Although his premium did go up a fair bit on the second policy!

In the same way half the driving permit holder drive unaccompanied, in the same way loads of people give statutory deceleration that car was off the road. Just because loads of people get away with it does not mean all do. If anyone wants to take the risk, then go for it, but if you happen to be the unlucky 1 in a hundred then your in serious trouble.

oldyouth

areyawell wrote: »

I got a response through email, and to sum it up, If a named driver is using the car for their main transport to work or college and the car is located daily at a different residence, they consider this fronting. Own insurance must be taken out.

If parent buys a second car to insure there son/daugther as a named driver in order for them to learn to drive as they don't want to risk possible damage to their own vehicle, this is not fronting. If the named driver use the car as main method of transport, own insurance must be taken out.

But again I state they will not be able to prove anything. Everyone does it.

And do you think they would bother having those regulations if they didn't have the means to expose any given situation. As I mentioned previously, (just) one of the methods is to establish whose bank account is paying for the insurance, tax, loan etc and you have since stated that you use your own for the premium. It's a fairly straightforward task for an experiences claims handler to get to the truth of the matter and, believe me, they do enjoy brightening up a dull day in the office

djimi

Out of curiosity, does anyone have any figures of how many people do actually get prosecuted/sued or whatever by insurance companies for fronting?

I ask because its my experience that the majority of drivers will have driven on a parents policy as a named driver at some point early on in their driving life; for most people I know or have ever known it is the only way that they could afford to start driving in this country. Im well aware of the legalities of this situation and I am not suggesting that people should drive as a named driver, but (and this is why I ask the question) Im not sure in the real world how much insurance companies actually follow up on this. The fact that many are now prepared to give a full years NCB for a year as a named driver suggests to me that many accept that someone who is named on a policy most likely is not just using the car for a couple of hours a month.

Wossack

areyawell wrote: »

I get that but even when I was chatting to my insurance company they didn't even care. I was bargaining down the insurance down for the second year, paid the named driver insurance through my bank account twice, ring me and not my father the main driver on the account. Offer me the same no claims discounts as a named driver as having my own insurance. Dunno just find it strange. Sister's car got burned out as a named driver on her own car and the insurance company had no problem paying out. Just find it odd people here claiming that you will definitely get done when half the country does it. Same happened one of my friends who hit into the back of a car in a car park. The other crowd went through his insurance(parents second policy with no loss to no claims discount not affected on their own car, only the second policy) with no questions asked. Although his premium did go up a fair bit on the second policy!

the cynic in me tells me that all this goes on record, them being full in the knowledge that you're fronting (you say it yourself), and in the unfortunate case of you making a claim, it'll all come out...

win win for them really, you pay them money for a falsly declared policy, and they sue you for damages should you claim

its what I'd do if I was an insurer :pac:

dunworth1

hi guys i have a quick question

i started named insuranse the end of jan 2012
it was one of those deals with aviva for the edt lessons and 6 months insuranse
when the six months were up there was 3 or 4 for weeks
that i did not renew i then renewed until nov last
which we then switch insurance to axa
who i am still currently with.

will i have one years named driver experence in feb or have i lost it?

the reason i ask is that i would like to get my own insurance
but only if i get the named driver no claims as otherwise its to expensive.

djimi

dunworth1 wrote: »

hi guys i have a quick question

i started named insuranse the end of jan 2012
it was one of those deals with aviva for the edt lessons and 6 months insuranse
when the six months were up there was 3 or 4 for weeks
that i did not renew i then renewed until nov last
which we then switch insurance to axa
who i am still currently with.

will i have one years named driver experence in feb or have i lost it?

the reason i ask is that i would like to get my own insurance
but only if i get the named driver no claims as otherwise its to expensive.

Typically a year of NCB means 12 continuous months cover; 2 6 month periods would not usually equal 1 years NCB. Check with Axa though; they might view it differently.

djimi

Wossack wrote: »

win win for them really, you pay them money for a falsly declared policy, and they sue you for damages should you claim

Again I ask the question how often has this actually happened in the case of a named driver who is more than an occasional driver of the car?

Casati

guil wrote: »

Named driving experience definitely isn't worth the same as the equivalent NCB. Also if a parent takes out a policy on a second car they can't use the NCB a second time and if little Mary or johnny has an accident then their NCB on the original policy is lost

My understanding is that some insurance companies allow a mirroring of your existing no claims bonus- as such a parent can register a second car and automatically get a full bonus on it. For companies that won't allow this, they will allow the parent to build up a separate bonus on the second car.

If you have a claim against one policy, they the other policy can remain in-tact with the full bonus as long as you don't change insurance companies.

Buying a second car for somebody else to drive primarily is fronting, however it would seem impossible for an insurance company to prove this was the case unless it was admitted to by the driver. They can refuse to insure you/ or make the quote extremely high at time of proposal if they believe that this is been attempted

One note- getting a car insured in your own name at 17/18 is going to be an extremely expensive way to build up a bonus- all companies will take into account prior insured driving experience as a named driver- often if a named driver has 5 plus years named experience, they can get the equivalent of a 3 year bonus when once insuring their own car.

oldyouth

Wossack wrote: »

the cynic in me tells me that all this goes on record, them being full in the knowledge that you're fronting (you say it yourself), and in the unfortunate case of you making a claim, it'll all come out...

win win for them really, you pay them money for a falsly declared policy, and they sue you for damages should you claim

its what I'd do if I was an insurer :pac:

That is close to what exactly what happens. When they catch you out during the investigation to a claim, they can repudiate the own damage/theft/fire element of the loss. They will force a cancellation under the terms of the contract for misrepresentation and settle up any 3rd party damage. They rarely sue for the 3rd party element, unless the amount is reasonable enough and the insured has assets/cash to cover it.

The hardship for the driver involved is penalty that future insurers will impose for the indiscretion and forced cancellation