Its not classed as Fronting? Is it?

Question

Hi need some advice

I own a Clio I have just passed my test the car and documents are in my name as my hubby bought it for me as a present

We have fully comp insurance with me down as named driver.

He drives it 5 days out of 7 so at the weekend I drive most of the time (I go to work on the train).

Is this ok … its not classed as Fronting? Is it?

Thanks

Answer 1

Your question is not really clear...you say the car and documents are in your name....what do you mean by documents? I presume the vehicle reg. document....

You say 'we' have fully comp....what you mean is that your husband is the policy holder and you are the named driver..To stop any confusion why not put your husband down as the owner of the car?

As usual, the only time a problem would arise is if you had an accident whilst driving and then the insurance company would try and find a get out clause and you may give them one......

Answer 2

Depends in wose name the insurance policy is in. You say "we" have fully comp.

Therefore I wonder in whose name the policy is in.

Answer 3

If the documents are something like a vehicle registration document for example and your husband drives the vehicle every five out of seven days then it is possible that the insurance company may view the situation as possible

misrepresentation of the risk.

Fronting normally involves a parent insuring the vehicle in their name as being main Policy holder and their son as a named driver, when in fact the young driver is using the vehicle the most.

If any doubt contact the motor service department of your insurer otherwise if you are involved in an incident and this comes out, an insurer will probably deal with the claim but may not continue the policy.

Answer 4

"Fronting" doesn't realy exist anymore in the UK insurance industry. The main reason for this is that all policies are rated on the highest risk.

So for example, if a dad insured his 17 year old son on his new BMW policy to try to keep the costs down it wouldn't make any difference. The son is the higher risk, therefore the cost of the policy is based on him.  

The only problem you may have is one of "insurable interest." This is one of the main principles of insurance. You must have an insurable interest in the car you are insuring. So for example you couldn't take out a policy on your neighbour's car and claim if it was stolen. Because you don't own the car, you have no insurable interest in it.

Technically, as you husband owns the car, you have no insurable interest.

HOWEVER....99.9% of insurers will not mind. As you are husband & wife or living together partners, they assume that you both have a vested interest in the property insured. If you were to claim, they may point out that the car SHOULD be registered to you in the future and MAY turn down another claim if you did it again.

But no, you are fine, although you really should get the car registered in your name. £20 to pay the DVLA to do that, it's worth it.