On 17/10/2016 11:17, T i m wrote:
On Fri, 14 Oct 2016 14:50:31 +0100, Syd Rumpo
wrote:

On 13/10/2016 18:40, ARW wrote:

snipped

I am a named driver on three other policies (all cars). And that is
another weird one. On two of the policies I drive more miles per year
in those cars than the main owner.

Is that not 'fronting', which is illegal?

https://www.abi.org.uk/Insurance-and.../Named-drivers

How would you expect to deal with those situations ITRW though?

Mostly everything will be fine, particularly as, unlike fronting for a
high-risk child, there's no obvious intent to defraud.

However, one thing we do know for sure is that insurance companies are
weasels. In the event of a large claim, they may take more of an interest.

snip

So, re AWR, what if the owners of the other vehicles he is named on
the owners drive them every day but only up to the shops and back and
he drives them twice a year to Scotland and back?

If I were an insurance weasel, I'd say he who drives furthest is the
main driver, but I expect there are written definitions somewhere.

What about chauffeurs? Is the insurance in their name?

I don't know, I'll get the butler to ask mine.

Cheers
--
Syd

In message , Syd Rumpo
writes
On 17/10/2016 11:17, T i m wrote:
On Fri, 14 Oct 2016 14:50:31 +0100, Syd Rumpo
wrote:

On 13/10/2016 18:40, ARW wrote:

snipped

I am a named driver on three other policies (all cars). And that is
another weird one. On two of the policies I drive more miles per year
in those cars than the main owner.

Is that not 'fronting', which is illegal?


https://www.abi.org.uk/Insurance-and...tor-insurance/
Named-drivers

How would you expect to deal with those situations ITRW though?

Mostly everything will be fine, particularly as, unlike fronting for a
high-risk child, there's no obvious intent to defraud.

However, one thing we do know for sure is that insurance companies are
weasels. In the event of a large claim, they may take more of an
interest.

snip

So, re AWR, what if the owners of the other vehicles he is named on
the owners drive them every day but only up to the shops and back and
he drives them twice a year to Scotland and back?

If I were an insurance weasel, I'd say he who drives furthest is the
main driver, but I expect there are written definitions somewhere.

What about chauffeurs? Is the insurance in their name?

I don't know, I'll get the butler to ask mine.

Small point of order... The main comprehensively insured driver is the
only one entitled to 3rd party cover when driving someone else's
vehicle. According to the NFU Mutual.

--
Tim Lamb

On 17/10/2016 12:50, Syd Rumpo wrote:

If I were an insurance weasel, I'd say he who drives furthest is the
main driver, but I expect there are written definitions somewhere.


IME it varies from insurer to insurer. Some say the main driver is the
person who'll drive the car the majority of the time. Some say the
person who drives the most miles. I think I've seen one with "most
often" which is ambiguous between total time and number of trips. And
some give no real clue.

And to make matters more difficult, what they say about "main driver"
when you apply ain't always accessible in the policy document and
schedule.


--
Robin
reply-to address is (intended to be) valid

On Mon, 17 Oct 2016 16:24:57 +0100, Tim Lamb
wrote:

In message , Syd Rumpo
writes
On 17/10/2016 11:17, T i m wrote:
On Fri, 14 Oct 2016 14:50:31 +0100, Syd Rumpo
wrote:

On 13/10/2016 18:40, ARW wrote:

snipped

I am a named driver on three other policies (all cars). And that is
another weird one. On two of the policies I drive more miles per year
in those cars than the main owner.

Is that not 'fronting', which is illegal?


https://www.abi.org.uk/Insurance-and...tor-insurance/
Named-drivers

How would you expect to deal with those situations ITRW though?

Mostly everything will be fine, particularly as, unlike fronting for a
high-risk child, there's no obvious intent to defraud.

However, one thing we do know for sure is that insurance companies are
weasels. In the event of a large claim, they may take more of an
interest.

snip

So, re AWR, what if the owners of the other vehicles he is named on
the owners drive them every day but only up to the shops and back and
he drives them twice a year to Scotland and back?

If I were an insurance weasel, I'd say he who drives furthest is the
main driver, but I expect there are written definitions somewhere.

What about chauffeurs? Is the insurance in their name?

I don't know, I'll get the butler to ask mine.

Small point of order... The main comprehensively insured driver is the
only one entitled to 3rd party cover when driving someone else's
vehicle. According to the NFU Mutual.

And according to Saga. ;-)

That's partly why we insure (and dive) a car 'each', then we are both
covered to drive any other *car* with the owners consent etc.

However, that wouldn't cover me to drive daughters Transit Connect as
it's not 'a car'.

Cheers, T i m

On Mon, 17 Oct 2016 16:24:57 +0100, Tim Lamb
wrote:



Small point of order... The main comprehensively insured driver is the
only one entitled to 3rd party cover when driving someone else's
vehicle. According to the NFU Mutual.


And the reason I am a named driver on these two cars is that van
insurance (even comprehensive insurance) never allows you 3rd party
cover to drive someone else's vehicle.


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On Mon, 17 Oct 2016 00:30:50 +0100, Syd Rumpo
wrote:

On 16/10/2016 22:45, Rod Speed wrote:


"Syd Rumpo" wrote in message
...
On 16/10/2016 16:47, ARW wrote:

snip

It is running them (my parents) around that ups the mileage I do in my
Mums car. Say several trips to take them to the airport a year, a
couple of shows with my Mum and then maybe a family wedding/funeral
that is miles away etc and the mileage I do goes up. Combine that with
the 20 miles a week my Mum actually drives herself and I soon am doing
more miles per annum in the car than she is. She will not drive on the
motorway or on roads she does not know.

As for car 2 - that's the gf's car. She does not like driving on
motorways, so although I spend far less time behind the wheel of her
car I do more miles in the car than she does.

So, you are ipso facto the 'main driver' and are being 'fronted' by
both your mother and your girlfriend.

That's not to say anything will ever come of it, but you should be
aware that it's illegal.

Doing what he is doing is NOT illegal.

Fronting is illegal. Ignorance of the law is no excuse.


Well it's NOT my fault that Barnsley played at Wembley twice this
year[1] and that my Dad had an operation on he his foot and could not
share the driving. Otherwise he would probably have been the "main
driver" on my Mums car:-)


[1] Won both times and only used the car for one trip.





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