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named driver-how does it work??

124

Comments

  • #92
    AltAccount
    Registered Users, Registered Users 2 Posts: 2,056 ✭✭✭AltAccount


    areyawell wrote: »
    No cause your not technically lying. Wheres the law that one driver should drive the car more than another. Whats the percentage ratio 51% to main driver, 49% to learner driver? How will an insurance company know?

    You are technically lying - you're saying one person's the main driver, and using their risk profile to generate the premium, and then someone else is the main driver.

    How is that not lying?


    How many times are you going to ask "how will an insurance company know"? You've provided no counter to the methods suggested so far beyond "oh no they wouldn't"


  • #93
    AltAccount
    Registered Users, Registered Users 2 Posts: 2,056 ✭✭✭AltAccount


    Snap!


  • #94
    Stheno
    Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Society & Culture Moderators Posts: 51,685 Mod ✭✭✭✭Stheno


    AltAccount wrote: »
    You are technically lying -
    No technically about it, the poster's posts reflect that in real life they have lied to get advantageous insurance and committed fraud which if their insurance company uncovers in the event of an accident in particular could leave the poster and the parent on the policy in a bit of a pickle.


  • #95
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


    Stheno wrote: »
    You're getting tiresome now.
    You have repeatedly advocated insurance fraud using fronting, and admit you yourself are doing so, in the knowledge that if the risk profile for you as the main driver you are having a parent front you on, was instead changed to you, there would be a significant difference in the premium.

    Then you resort to pedantic little points, don't bother answering valid questions you are asked, and don't seem to take anything you are repeatedly told onboard.

    Last point I make then, Would it be okay if the parents drove the car 51% and the named driver drove 49% of the time. Would that still be insurance fraud on a second insurance?


  • #96
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    areyawell wrote: »
    No cause your not technically lying. Wheres the law that one driver should drive the car more than another. Whats the percentage ratio 51% to main driver, 49% to learner driver? How will an insurance company know?
    Not 'technically' lying??? Where do you get that??

    To get a parent to fraudulently front your policy, your parent has to sign a legal document that they own the car,it is registered in their name, it is primarily for their use and (relevant in some cases) the vehicle will be kept at their address.

    The written bit at the end of the form is not an autograph for the insurance official to add to their collection you know, it is the 1st thing he/she will ensure is in place when compiling a case report for the Company solicitor


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  • #97
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


    AltAccount wrote: »
    You are technically lying - you're saying one person's the main driver, and using their risk profile to generate the premium, and then someone else is the main driver.

    How is that not lying?


    How many times are you going to ask "how will an insurance company know"? You've provided no counter to the methods suggested so far beyond "oh no they wouldn't"

    Okay tell me then how they would know? The insurance companies know well that the learner driver will be the main driver on a second insurance. As previously said in this thread my sisters car got robbed and burned out in Limerick two years ago. She was under the parents insurance on it. Got the payout no problem through the parents insurance.


  • #98
    AltAccount
    Registered Users, Registered Users 2 Posts: 2,056 ✭✭✭AltAccount


    areyawell wrote: »
    Last point I make then, Would it be okay if the parents drove the car 51% and the named driver drove 49% of the time. Would that still be insurance fraud on a second insurance?

    Call your insurance company tomorrow and ask them.

    Post the reply here.

    Let's all learn something.


  • #99
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


    AltAccount wrote: »
    Call your insurance company tomorrow and ask them.

    Post the reply here.

    Let's all learn something.

    Ill actually email one now and see what the actual response is just out of curiosity.


  • #100
    AltAccount
    Registered Users, Registered Users 2 Posts: 2,056 ✭✭✭AltAccount


    areyawell wrote: »
    Okay tell me then how they would know? The insurance companies know well that the learner driver will be the main driver on a second insurance. As previously said in this thread my sisters car got robbed and burned out in Limerick two years ago. She was under the parents insurance on it. Got the payout no problem through the parents insurance.

    Stop asking me the same question and ignoring mine.


  • #101
    AltAccount
    Registered Users, Registered Users 2 Posts: 2,056 ✭✭✭AltAccount


    areyawell wrote: »
    Ill actually email one now and see what the actual response is just out of curiosity.

    Call yours, if it's not an issue, you won't be afraid to ask them the question.


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  • #102
    slimjimmc
    Registered Users, Registered Users 2 Posts: 7,783 ✭✭✭slimjimmc


    areyawell wrote: »
    Last point I make then, Would it be okay if the parents drove the car 51% and the named driver drove 49% of the time. Would that still be insurance fraud on a second insurance?

    Only the insurance company could say what they deem ok, it's their policy. But I suspect a named driver is meant to be an occasional driver so 49% would hardly be considered occasional, imo. Though I'm sure a judge could overrule that if the insurer's opinion is in the extreme.


  • #103
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


    AltAccount wrote: »
    Call yours, if it's not an issue, you won't be afraid to ask them the question.

    Whats your question?


  • #104
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    areyawell wrote: »
    Whats your question?

    I think he means call YOUR insurer with the facts of what you've done to date, rather than a sample insurer for an opinion


  • #105
    AltAccount
    Registered Users, Registered Users 2 Posts: 2,056 ✭✭✭AltAccount


    areyawell wrote: »
    Whats your question?

    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.


  • #106
    CoDy1
    Registered Users, Registered Users 2 Posts: 1,637 ✭✭✭CoDy1


    areyawell wrote: »
    Okay tell me then how they would know? The insurance companies know well that the learner driver will be the main driver on a second insurance. As previously said in this thread my sisters car got robbed and burned out in Limerick two years ago. She was under the parents insurance on it. Got the payout no problem through the parents insurance.

    How do they? Insurers only know what you tell them, and when it comes to claim time and if they find out what you told them were lies, tough luck.

    It has nothing to do with percentages btw, if the parent has a policy on their own vehicle in their own name and declared as the main driver. Its quiet obvious to an insurer if that parent takes out a second policy and adds the son/daughter to the policy yet declares themself as the main driver of the second vehicle too, that its 'fronting'. It usually only comes to light if there is a claim but it wouldn't need much further investigation to prove it.


  • #107
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


    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.


  • #108
    AltAccount
    Registered Users, Registered Users 2 Posts: 2,056 ✭✭✭AltAccount


    areyawell wrote: »
    Fine I will.

    If you do, and it turns out you are correct, I will bake you a big chocolate apology cake.


  • #109
    areyawell
    Banned (with Prison Access) Posts: 1,435 ✭✭✭areyawell


    CoDy1 wrote: »
    How do they? Insurers only know what you tell them, and when it comes to claim time and if they find out what you told them were lies, tough luck.

    It has nothing to do with percentages btw, if the parent has a policy on their own vehicle in their own name and declared as the main driver. Its quiet obvious to an insurer if that parent takes out a second policy and adds the son/daughter to the policy yet declares themself as the main driver of the second vehicle too, that its 'fronting'. It usually only comes to light if there is a claim but it wouldn't need much further investigation to prove it.

    So if an insurance company sees the parent driving an nice beamer or Audi and then get a old punto or micra and putting there son/daughter on it would this not ring alarm bells for the insurer and why would they still insure the person?

    90% of people I know got insured this way and then took out their own insurance when they got the full license.


  • #110
    Stheno
    Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Society & Culture Moderators Posts: 51,685 Mod ✭✭✭✭Stheno


    AltAccount wrote: »
    If you do, and it turns out you are correct, I will bake you a big chocolate apology cake.

    I don't like the sound of that. I suspect it's a euphemism for something else that might also be brown and squidgy

    If he offers it to you areyawell, I'd refuse.


  • #111
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    areyawell wrote: »
    Fine I will.

    For clarity, if you use a Broker, rather than dealing directly with an insurer, get them to copy you in with their correspondence to the company


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  • #112
    AltAccount
    Registered Users, Registered Users 2 Posts: 2,056 ✭✭✭AltAccount


    Stheno wrote: »
    I don't like the sound of that. I suspect it's a euphemism for something else that might also be brown and squidgy

    If he offers it to you areyawell, I'd refuse.

    I'll taste it first.

    If he's correct and I'm wrong, then I've learned something new and am happy to say sorry for doubting his words.


    Anyhoo, I'm sure once Areyawell agrees with you, we'll see you post "well, if you're not eating that chocolate apology cake, I know someone who will...", before pilfering it and gorging yourself on its chocolatey goodness.

    I'm on to you... ;):D


  • #113
    CoDy1
    Registered Users, Registered Users 2 Posts: 1,637 ✭✭✭CoDy1


    areyawell wrote: »
    So if an insurance company sees the parent driving an nice beamer or Audi and then get a old punto or micra and putting there son/daughter on it would this not ring alarm bells for the insurer and why would they still insure the person?

    90% of people I know got insured this way and then took out their own insurance when they got the full license.

    Again, the insurer would only know this if the parent tells them they are already the main driver of their own vehicle, if they do this, then there is no problem and the insurer would rate it differently on the younger driver.

    The issue here is the parent is wilfully lying to the insurer and saying they will be the main driver when they are not.

    It usually ever only comes to light in the event of a claim, its very easy information for an insurer to obtain.


  • #114
    Stheno
    Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Society & Culture Moderators Posts: 51,685 Mod ✭✭✭✭Stheno


    AltAccount wrote: »
    I'll taste it first.

    If he's correct and I'm wrong, then I've learned something new and am happy to say sorry for doubting his words.


    Anyhoo, I'm sure once Areyawell agrees with you, we'll see you post "well, if you're not eating that chocolate apology cake, I know someone who will...", before pilfering it and gorging yourself on its chocolatey goodness.

    I'm on to you... ;):D

    I don't eat cake :)


  • #115
    AltAccount
    Registered Users, Registered Users 2 Posts: 2,056 ✭✭✭AltAccount


    areyawell wrote: »
    Fine I will.

    How did you get on today?


  • #116
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    AltAccount wrote: »
    How did you get on today?

    They mustn't have got back yet. ;)


  • #117
    mathepac
    Banned (with Prison Access) Posts: 4,990 ✭✭✭mathepac


    oldyouth wrote: »
    They mustn't have got back yet. ;)
    I wonder how he'll do tomorrow?


  • #118
    ABajaninCork
    Closed Accounts Posts: 8,411 ✭✭✭ABajaninCork


    What's happening tomorrow? Is areyewell at last taking their driving test? ;)


  • #119
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    Last bump and then we'll have to take this as put to bed I suppose


  • #120
    AltAccount
    Registered Users, Registered Users 2 Posts: 2,056 ✭✭✭AltAccount


    Looks like I'll be eating a big chocolate "I told you so" cake tonight! :p:D


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  • #121
    R.O.R
    Registered Users, Registered Users 2 Posts: 12,732 ✭✭✭✭R.O.R


    AltAccount wrote: »
    Looks like I'll be eating a big chocolate "I told you so" cake tonight! :p:D

    Is it sponge cake or chocolate biscuit cake?

    If it's sponge, it's all yours, but if it's Chocolate Biscuit, you better save me a piece!


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