to think DH made an expensive mistake??

[TheAngryCheeseCracker]

I have driven for over 10 years, DH learned a year ago. We now have 2 cars, I am the policy holder of insurance for both cars, he is the named driver for his car.

He bumped into another car, very lightly, yesterday. His fault. No damage to our car, other car has a small dent in bumper.

DH then got insurance involved, and they are paying the damage (not expensive).

AIBU tot hink DH should have settled this without insurance? I have lost my no-claims discount....was paying only £300 on insurance a year. I think in the long run this was a stupid and expensive decision?!

[MrsAMerrick]

As other posters have pointed out, brokensunglasses, fronting is illegal, and if a claim is made then insurance companies do usually find out. Fronting is one of the reasons insurance premiums are higher for everyone.
charlie what you are doing is illegal, and you can get fined if you are found out.
Not being the registered owner of a car that you are the main driver for isn't a problem as long as you tell the insurance company. My DH bought my previous car, just because on the day it needed collecting from the garage he was free to go and get it so he did all the paperwork and it was registered in his name. But it was always insured in my name, with me as the main driver and him as the named driver so that he could drive it occasionally.

[Shakirasma]

I thought you could only apply your NCD to one policy, presumably the one on your own vehicle? Or have you put your NCD on the policy covering your husbands car instead?

[Somethingtothinkabout]

Also, even if your own claim is repudiated due to fronting, your insurance would still cover the damage to the person you hit, although your insurance company may come after you to repay the money they paid out for the third party's damage/injury/hire/solicitor costs etc.

[Somethingtothinkabout]

BrokenSunglasses usually if insurance companies receive a claim on a policy for, say, a mother, but the 17 year old reckless son was driving at the time they will flag it up for investigation. You might all get interviewed. If it turns out that the vehicle is registered to the son and not the mother, or if the mother has another car, they may repudiate the claim due to fronting.

It's not likely to be a problem with husbands and wives, and if he is declared as the main driver then you are completely fine.

[BrokenSunglasses]

I'm confused by this fronting thing.

If a parent is doing it to insure their teenage child on their policy and then they have an accident, how does the insurance company actually know whether the 'child' was driving the car for the first time in two months when they had their accident, or if they did it on their regular daily commute?

Why would the policy be voided if the person that was driving was down as a named driver?

[TheAngryCheeseCracker]

That's right passweetoranglurve


I have learned a lot today

[mrsminiverscharlady]

Oh FGS are some people not able to read. Insurance companies often ask who the main driver is (so they can assess the risk accurately). The OP has told them it is her husband. Therefore it is all legit, above board and kosher.

[paperlantern]

not that confusing. think of someone buying and paying insurance for their chauffeur
the chauffeur doesn't own the car but could be held responsible for an accident, hence this could be in the name of the owner of the car but covers the chauffeur

[Amateurish]

Even if it was only a "little bump", the repair could still cost thousands, plus any hire car charges, plus any potential whiplash claims...

[Amateurish]

Another point to note is that your insurance company probably requires you to notify them if you have an accident. So your DH probably didn't have a choice. Check your policy wording, but most are like this.

Also, you probably won't lose all of your no claims - again, check the policy wording.

[paperlantern]

easymidlands- you are wrong.

[paperlantern]

tiggytape - you are wrong with your example for one simple reason. in law husband and wife are one entity. a financial loss for one is a financial loss for both. a husband cannot recover money from their wife for an accident and vice versa

[lborolass]

I'm sure I've read (probably on here) that for multicar policies the policy is in the name of one person but the insurance company know who the main driver of each car under the policy is. afaik this certainly isn't illegal.

[Reality]

You can only use your ncb on one of the cars though.

[Reality]

Fronting doesn't apply between spouses.

Loads of nonsense being touted as fact here. DH and I have had several cars/insurance policies and he is ALWAYS the policy holder and I am named driver on both of our cars, and I always make sure the insurers know that I own and drive one of them.

It is totally legal and normal.

[eastmidlandsnightnanny]

Sorry on mobile n exhausted will ask husband when he gets home the official response

[QuintessentialShadows]

I am surprised your insurance company would allow one no claims bonus used on two insurances. I was always told that you could only use your no claims bonus for one car at the time. I own two cars. One of the policies has a pretty hefty no claims bonus (over 12 years) and the other only 2 years worth of accumulated bonus.

[dexter73]

I can't understand what you have written eastmidlands - sorry.

[eastmidlandsnightnanny]

Sorry just read all comments n yes fronting is what am thinking of. My husband only passed test 7yrs ago n me forever ago n no u cannot have a policy with the named driver as the main driver as u have the main driver the policy holder n the named driver n actually my husband insurance has been v similar to mine from start maybe as he was 32 when passed test n had first own car at 35 we shared before n he was on my insurance as named driver as i used for work n he occ drove at weekends

[eastmidlandsnightnanny]

U r commiting fraud if he is the main driver of that second car n uses it regularly he can not be the named driver n if insurance company decide to investigate claim u insurance will be invalid n u can be fined there is an official name for it i cannot remember sorry married to an insurance claims director