So if I do not reinsure my van (various reasons) then how long will my
NCB last for?

I have 9 years NCB and ATM have no reason to put the van back on the
road. What I do not want is 12 months time to find out that I have
zero NCB as I did not have my own insurance policy.

Anyone with experience of this?


---
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On Wed, 12 Oct 2016 19:52:51 +0100, ARW
wrote:

So if I do not reinsure my van (various reasons) then how long will my
NCB last for?

I have 9 years NCB and ATM have no reason to put the van back on the
road. What I do not want is 12 months time to find out that I have
zero NCB as I did not have my own insurance policy.

Anyone with experience of this?

Remember to make a statutory off-road notification (SORN), Will you
not also want non-Road Traffic Act insurance to cover the possibility
of fire or theft?

Do you have any other vehicle? Are you a named driver for any other
vehicle?

On 12/10/2016 19:52, ARW wrote:
So if I do not reinsure my van (various reasons) then how long will my
NCB last for?

I have 9 years NCB and ATM have no reason to put the van back on the
road. What I do not want is 12 months time to find out that I have
zero NCB as I did not have my own insurance policy.

Anyone with experience of this?

It may vary from company to company. My experience with CIS was that the
NCD lasted 2 or 3 years. That was for a car, not a van.

What does your current insurer say?



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On 12/10/2016 20:39, GB wrote:

It may vary from company to company. My experience with CIS was that the
NCD lasted 2 or 3 years. That was for a car, not a van.


Ditto.

Someone I know was coming up to 2 years without a car & insurance
recently. All the firms she sought quotes from online accepted NCD
earned up to 2 years earlier*. She phoned a couple of brokers who said
they had some underwriters who would allow a longer gap but they were
usually so expensive it was hardly worth it.

But obviously vans may be different.


*including LV who 5 years ago only allowed 1 year
--
Robin
reply-to address is (intended to be) valid

On Wed, 12 Oct 2016 20:39:27 +0100, GB
wrote:

On 12/10/2016 19:52, ARW wrote:
So if I do not reinsure my van (various reasons) then how long will my
NCB last for?

I have 9 years NCB and ATM have no reason to put the van back on the
road. What I do not want is 12 months time to find out that I have
zero NCB as I did not have my own insurance policy.

Anyone with experience of this?

It may vary from company to company. My experience with CIS was that the
NCD lasted 2 or 3 years. That was for a car, not a van.



What does your current insurer say?

It says that it has gone into liquidation and I will get about £85
back to cover 90% of my remaining insurance premium calculated on a
per rota calculation and that the figure will we decided by the FSCS.

I SORNED the van 3 months ago when the tax ran out.





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On 12/10/2016 19:52, ARW wrote:
So if I do not reinsure my van (various reasons) then how long will my
NCB last for?

I have 9 years NCB and ATM have no reason to put the van back on the
road. What I do not want is 12 months time to find out that I have
zero NCB as I did not have my own insurance policy.

Anyone with experience of this?

Two years IME (cars).

On 12/10/2016 21:23, ARW wrote:
On Wed, 12 Oct 2016 20:39:27 +0100, GB
wrote:

On 12/10/2016 19:52, ARW wrote:
So if I do not reinsure my van (various reasons) then how long will my
NCB last for?

I have 9 years NCB and ATM have no reason to put the van back on the
road. What I do not want is 12 months time to find out that I have
zero NCB as I did not have my own insurance policy.

Anyone with experience of this?

It may vary from company to company. My experience with CIS was that the
NCD lasted 2 or 3 years. That was for a car, not a van.



What does your current insurer say?

It says that it has gone into liquidation and I will get about £85
back to cover 90% of my remaining insurance premium calculated on a
per rota calculation and that the figure will we decided by the FSCS.

I SORNED the van 3 months ago when the tax ran out.

I think you have to keep re-SORNing it every year, btw.

On 12/10/2016 22:39, GB wrote:

I think you have to keep re-SORNing it every year, btw.

That's news to my car :-)

(no you don't)

In article ,
ARW wrote:
So if I do not reinsure my van (various reasons) then how long will my
NCB last for?

I have 9 years NCB and ATM have no reason to put the van back on the
road. What I do not want is 12 months time to find out that I have
zero NCB as I did not have my own insurance policy.

Anyone with experience of this?


I'd say you'd do best to ask your insurance company - and not rely on what
someone says happened in the past. They seem to have recently changed many
of the things you one got - due to cost cutting.

I'd also keep any documents you have stating what your NCB is at the
moment.

--
*A day without sunshine is like... night.*

Dave Plowman London SW
To e-mail, change noise into sound.

Clive George wrote:

GB wrote:

I think you have to keep re-SORNing it every year

no you don't

Now you don't need to renew them, but between 1998 and 2013 you did.

On 13/10/16 00:39, Clive George wrote:
On 12/10/2016 22:39, GB wrote:

I think you have to keep re-SORNing it every year, btw.

That's news to my car :-)

(no you don't)
You do.
Or did up till very recently.

--
"Socialist governments traditionally do make a financial mess. They
always run out of other people's money. It's quite a characteristic of them"

Margaret Thatcher

"GB" wrote in message
...
On 12/10/2016 19:52, ARW wrote:
So if I do not reinsure my van (various reasons) then how long will my
NCB last for?

I have 9 years NCB and ATM have no reason to put the van back on the
road. What I do not want is 12 months time to find out that I have
zero NCB as I did not have my own insurance policy.

Anyone with experience of this?

It may vary from company to company. My experience with CIS was that the
NCD lasted 2 or 3 years. That was for a car, not a van.

My experience is 1 or 2

where can you find someone who will let you have 3?

tim

On 13/10/2016 14:18, tim... wrote:

"GB" wrote in message
...
On 12/10/2016 19:52, ARW wrote:
So if I do not reinsure my van (various reasons) then how long will my
NCB last for?

I have 9 years NCB and ATM have no reason to put the van back on the
road. What I do not want is 12 months time to find out that I have
zero NCB as I did not have my own insurance policy.

Anyone with experience of this?

It may vary from company to company. My experience with CIS was that
the NCD lasted 2 or 3 years. That was for a car, not a van.

My experience is 1 or 2

where can you find someone who will let you have 3?

I thought CIS, but it may have been 2 years. Sorry to be so vague, but
this was quite a while ago.

We went from two cars to one, and for a few years I juggled things to
try to keep my wife's NCD going. In the end, I gave up!

On 13/10/2016 14:18, tim... wrote:

"GB" wrote in message
...
On 12/10/2016 19:52, ARW wrote:
So if I do not reinsure my van (various reasons) then how long will my
NCB last for?

I have 9 years NCB and ATM have no reason to put the van back on the
road. What I do not want is 12 months time to find out that I have
zero NCB as I did not have my own insurance policy.

Anyone with experience of this?

It may vary from company to company. My experience with CIS was that
the NCD lasted 2 or 3 years. That was for a car, not a van.

My experience is 1 or 2

where can you find someone who will let you have 3?


One of the brokers I was told said they could sometimes get NCD honoured
after 3 years w/o insurance was Bluefin.
https://www.bluefingroup.co.uk/ But they were never put to the test.

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

ARW wrote:
So if I do not reinsure my van (various reasons) then how long will my
NCB last for?

I have 9 years NCB and ATM have no reason to put the van back on the
road. What I do not want is 12 months time to find out that I have
zero NCB as I did not have my own insurance policy.

Anyone with experience of this?


---
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You could always bit the bullet by putting the van up your driveway and
going for the cheapest insurance possible ....... 3rd party only, no fancy
extra cover and a huge excess?
Drop the mileage to the minimum.

On Wed, 12 Oct 2016 20:03:25 +0100, Scott
wrote:

On Wed, 12 Oct 2016 19:52:51 +0100, ARW
wrote:

So if I do not reinsure my van (various reasons) then how long will my
NCB last for?

I have 9 years NCB and ATM have no reason to put the van back on the
road. What I do not want is 12 months time to find out that I have
zero NCB as I did not have my own insurance policy.

Anyone with experience of this?

Remember to make a statutory off-road notification (SORN), Will you
not also want non-Road Traffic Act insurance to cover the possibility
of fire or theft?

Do you have any other vehicle? Are you a named driver for any other
vehicle?

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. The 3rd car did 72 miiles last year
and I only did about 5 of them.

As for fire and theft I am not bothered. It's a 52 plate VH Combo with
200K on the clock and a couple of slugs living in it. The insurance
excess is worth more than the van.

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On Thu, 13 Oct 2016 18:31:56 +0100, "Mr Pounder Esquire"
wrote:

ARW wrote:
So if I do not reinsure my van (various reasons) then how long will my
NCB last for?

I have 9 years NCB and ATM have no reason to put the van back on the
road. What I do not want is 12 months time to find out that I have
zero NCB as I did not have my own insurance policy.

Anyone with experience of this?


---
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You could always bit the bullet by putting the van up your driveway and
going for the cheapest insurance possible ....... 3rd party only, no fancy
extra cover and a huge excess?
Drop the mileage to the minimum.


Dunno if that would work. It's only £250 a year to insure fully comp
(non protected policy) with a £300 excess! The van is worth not much
more than the excess due to the mileage - but the dealer who drove it
home with his trade plates (it is already SORNED and on the driveway)
said it drove very well. Possibly getting ready for a clutch and the
radio was tuned to Radio 2 were his only negative comments.


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ARW wrote:
On Thu, 13 Oct 2016 18:31:56 +0100, "Mr Pounder Esquire"
wrote:

ARW wrote:
So if I do not reinsure my van (various reasons) then how long will
my NCB last for?

I have 9 years NCB and ATM have no reason to put the van back on the
road. What I do not want is 12 months time to find out that I have
zero NCB as I did not have my own insurance policy.

Anyone with experience of this?


---
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You could always bit the bullet by putting the van up your driveway
and going for the cheapest insurance possible ....... 3rd party
only, no fancy extra cover and a huge excess?
Drop the mileage to the minimum.


Dunno if that would work. It's only £250 a year to insure fully comp
(non protected policy) with a £300 excess! The van is worth not much
more than the excess due to the mileage - but the dealer who drove it
home with his trade plates (it is already SORNED and on the driveway)
said it drove very well. Possibly getting ready for a clutch and the
radio was tuned to Radio 2 were his only negative comments.

Fair enough. Seems that you either pay or you are ****ed.
The one person on my van Radio 2 wireless I hated more than Terry Wogan was
that ginger headed ****.
I could never work out how to change radio stations.



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In article ,
The Natural Philosopher wrote:
On 13/10/16 00:39, Clive George wrote:
On 12/10/2016 22:39, GB wrote:

I think you have to keep re-SORNing it every year, btw.

That's news to my car :-)

(no you don't)
You do.
Or did up till very recently.

The law changed from 16 Dec 2013:
https://www.gov.uk/government/news/d...-for-motorists

Alan

--


Using an ARMX6

On Thu, 13 Oct 2016 20:31:06 +0100, "Mr Pounder Esquire"
wrote:

ARW wrote:
On Thu, 13 Oct 2016 18:31:56 +0100, "Mr Pounder Esquire"
wrote:

ARW wrote:
So if I do not reinsure my van (various reasons) then how long will
my NCB last for?

I have 9 years NCB and ATM have no reason to put the van back on the
road. What I do not want is 12 months time to find out that I have
zero NCB as I did not have my own insurance policy.

Anyone with experience of this?


---
This email has been checked for viruses by Avast antivirus software.
https://www.avast.com/antivirus

You could always bit the bullet by putting the van up your driveway
and going for the cheapest insurance possible ....... 3rd party
only, no fancy extra cover and a huge excess?
Drop the mileage to the minimum.


Dunno if that would work. It's only £250 a year to insure fully comp
(non protected policy) with a £300 excess! The van is worth not much
more than the excess due to the mileage - but the dealer who drove it
home with his trade plates (it is already SORNED and on the driveway)
said it drove very well. Possibly getting ready for a clutch and the
radio was tuned to Radio 2 were his only negative comments.

Fair enough. Seems that you either pay or you are ****ed.
The one person on my van Radio 2 wireless I hated more than Terry Wogan was
that ginger headed ****.
I could never work out how to change radio stations.


Point noted about the ginger ****. But Wogan was brilliant.

And they only put Vanessa Feltz on at 5am as no one is listening.

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ARW wrote:
It says that it has gone into liquidation and I will get about ?85
back to cover 90% of my remaining insurance premium calculated on a
per rota calculation and that the figure will we decided by the FSCS.

I SORNED the van 3 months ago when the tax ran out.

If they've gone into liquidation, get yourself proof of NCD asap. You'll
need that to transfer over to another insurer, and will probably need to
wave the paperwork at them: if your existing insurer has vanished they won't
be able to ask directly.

If you can't get proof of this year's NCD, do you still have proof of last
year's? A renewal letter will normally suffice. That may mean your 2 year
NCD clock starts ticking from the date of that renewal, rather than 2 years
from now.

Theo

(this is for cars, I have no idea if vans are different)

On Thu, 13 Oct 2016 18:31:56 +0100, Mr Pounder Esquire wrote:

ARW wrote:
So if I do not reinsure my van (various reasons) then how long will my
NCB last for?

I have 9 years NCB and ATM have no reason to put the van back on the
road. What I do not want is 12 months time to find out that I have
zero NCB as I did not have my own insurance policy.

Anyone with experience of this?

You could always bit the bullet by putting the van up your driveway and
going for the cheapest insurance possible ....... 3rd party only, no fancy
extra cover and a huge excess?
Drop the mileage to the minimum.

Some insurance companies will keep the bonus for you. I used to have two cars and phoned both insurers. One offered to keep it indefinitely. Quite why I couldn't split the single NCB into two in the first place I don't know, I had to earn both seperately.

--
"Take off lid and push up bottom." (From a stick deodorant label)

On 13/10/2016 21:31, Alan Dawes wrote:
In article ,
The Natural Philosopher wrote:
On 13/10/16 00:39, Clive George wrote:
On 12/10/2016 22:39, GB wrote:

I think you have to keep re-SORNing it every year, btw.

That's news to my car :-)

(no you don't)
You do.
Or did up till very recently.

The law changed from 16 Dec 2013:
https://www.gov.uk/government/news/d...-for-motorists

How embarrassing. I'm nearly three years out of date!

"GB" wrote in message
...
On 13/10/2016 21:31, Alan Dawes wrote:
In article ,
The Natural Philosopher wrote:
On 13/10/16 00:39, Clive George wrote:
On 12/10/2016 22:39, GB wrote:

I think you have to keep re-SORNing it every year, btw.

That's news to my car :-)

(no you don't)
You do.
Or did up till very recently.

The law changed from 16 Dec 2013:
https://www.gov.uk/government/news/d...-for-motorists

How embarrassing. I'm nearly three years out of date!

A Jap would at least have the decency to disembowel itself.

Don’t make a mess of the carpet.

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


Cheers
--
Syd

On Thursday, October 13, 2016 at 6:32:12 PM UTC+1, Mr Pounder Esquire wrote:
ARW wrote:


You could always bit the bullet by putting the van up your driveway and
going for the cheapest insurance possible ....... 3rd party only, no fancy
extra cover and a huge excess?
Drop the mileage to the minimum.

My insurer (NFU) told me that lowering the mileage could increase the premium.

Jonathan

On Fri, 14 Oct 2016 07:14:38 -0700 (PDT), Jonathan
wrote:


You could always bit the bullet by putting the van up your driveway and
going for the cheapest insurance possible ....... 3rd party only, no fancy
extra cover and a huge excess?
Drop the mileage to the minimum.

My insurer (NFU) told me that lowering the mileage could increase the premium.

NFU generally have a good reputation but I got a very unrealistic
quote from them, parents had been with them for years both for the
farm and vehicles but that dwindled down to just Mothers present house
and her Toyota Aygo. She decided to give up driving so I took over the
car to chauffeur her around in , this was 3 years ago and they quoted
me over £800 . A family friend actually worked in their local office
and I rang her up to check they hadn't mistyped any details.Nope £800
+ still. Sod that I was paying less than a third of that for a present
generation Mini Cooper S for both me and the missus with a much higher
agreed annual mileage. That would also cost a lot more to repair and
has considerable more scope to get in to a fix with than in the Aygo.

G.Harman

On 14/10/2016 14:50, 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

That depends on the nature of the policyholder and the disclosures made
to the insurers.

It also depends on how many miles he does in their car, also what is
"main user". If you take your mother to a supermarket in their car, who
is actually using the car?

Jonathan wrote:
On Thursday, October 13, 2016 at 6:32:12 PM UTC+1, Mr Pounder Esquire
wrote:
ARW wrote:


You could always bit the bullet by putting the van up your driveway
and going for the cheapest insurance possible ....... 3rd party
only, no fancy extra cover and a huge excess?
Drop the mileage to the minimum.

My insurer (NFU) told me that lowering the mileage could increase the
premium.

Jonathan

Mine said otherwise and a quick Google agrees.
I'm not in to posting links.

wrote in message
...
On Fri, 14 Oct 2016 07:14:38 -0700 (PDT), Jonathan
wrote:


You could always bit the bullet by putting the van up your driveway and
going for the cheapest insurance possible ....... 3rd party only, no
fancy
extra cover and a huge excess?
Drop the mileage to the minimum.

My insurer (NFU) told me that lowering the mileage could increase the
premium.

NFU generally have a good reputation but I got a very unrealistic
quote from them, parents had been with them for years both for the
farm and vehicles but that dwindled down to just Mothers present house
and her Toyota Aygo. She decided to give up driving so I took over the
car to chauffeur her around in , this was 3 years ago and they quoted
me over £800 . A family friend actually worked in their local office
and I rang her up to check they hadn't mistyped any details.Nope £800
+ still. Sod that I was paying less than a third of that for a present
generation Mini Cooper S for both me and the missus with a much higher
agreed annual mileage. That would also cost a lot more to repair and
has considerable more scope to get in to a fix with than in the Aygo.

Presumably they have decided that senile geriatric old farts who
hardly drive at all anymore are one hell of an insurance risk and
that is why they charge a very high premium for low mileage cars.

On Fri, 14 Oct 2016 17:39:43 +0100, Mr Pounder Esquire wrote:

Jonathan wrote:
On Thursday, October 13, 2016 at 6:32:12 PM UTC+1, Mr Pounder Esquire
wrote:
ARW wrote:


You could always bit the bullet by putting the van up your driveway
and going for the cheapest insurance possible ....... 3rd party
only, no fancy extra cover and a huge excess?
Drop the mileage to the minimum.

My insurer (NFU) told me that lowering the mileage could increase the
premium.

Jonathan

Mine said otherwise and a quick Google agrees.
I'm not in to posting links.

Do you do it when you're out?

--
Gargoyle (n), olive-flavored mouthwash.

On 14/10/2016 17:19, Fredxxx wrote:
On 14/10/2016 14:50, 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


That depends on the nature of the policyholder and the disclosures made
to the insurers.

It also depends on how many miles he does in their car, also what is
"main user". If you take your mother to a supermarket in their car, who
is actually using the car?

Well, I'd be driving, and that's what would count from the perspective
of the insurer.

Cheers
--
Syd

In article ,
Syd Rumpo wrote:
It also depends on how many miles he does in their car, also what is
"main user". If you take your mother to a supermarket in their car, who
is actually using the car?

Well, I'd be driving, and that's what would count from the perspective
of the insurer.

Not so sure. A youngster might drive in a totally different way with his
mum in the car.

--
*I'm not a complete idiot, some parts are missing *

Dave Plowman London SW
To e-mail, change noise into sound.

In article ,
Dave Plowman (News) wrote:
In article ,
Syd Rumpo wrote:
It also depends on how many miles he does in their car, also what is
"main user". If you take your mother to a supermarket in their car,
who is actually using the car?

Well, I'd be driving, and that's what would count from the perspective
of the insurer.

Not so sure. A youngster might drive in a totally different way with his
mum in the car.

son of a friend of ours was driving his grannie somehwere and had an
accident - she died as a result. not good.

--
from KT24 in Surrey, England

On Sat, 15 Oct 2016 00:47:47 +0100, "Dave Plowman (News)"
wrote:

In article ,
Syd Rumpo wrote:
It also depends on how many miles he does in their car, also what is
"main user". If you take your mother to a supermarket in their car, who
is actually using the car?

Well, I'd be driving, and that's what would count from the perspective
of the insurer.

Not so sure. A youngster might drive in a totally different way with his
mum in the car.

Indeed. And I am not allowed to smoke in the car when my Mum is the
passenger seat!

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.



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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.

Cheers
--
Syd

"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.

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.

Cheers
--
Syd

"Syd Rumpo" wrote in message
...
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.

What he is doing isnt fronting.

Ignorance of the law is no excuse.

What he is doing isnt fronting.

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?

When we had two cars one was in her name and she was the main driver
and I was named and the reverse on the car I (nominally) owned and
drove.

The insurance companies insisted that the main insured person was also
the registered keeper. Now, whilst she might drive 'her' car more than
she would drive 'mine', if we were going somewhere in hers, I'd
typically drive. So whilst I'd probably clock up more miles in that
car than her, she would be driving it more often than I (and would
rarely drive mine).

So, ITRW a 'family car' could / would be driven by the various members
on the policy and I have generally found that it doesn't matter
(within reason) who is the nominated as the main driver because each
driver will affect the loading accordingly.

And circumstances change. I change 'my' car and she then prefers to
drive that rather than hers? Do I transfer it into her name and get
the insurance company to put the policy in her name with me as a named
driver, even though I would still be the one doing the longer trips
and especially the one driving 'us' to 'unknown places' and at night?

Again, ITRW, how many people in the position of having access to a
shared car could ever predict who is likely to be driving it the most
(and is that 'most often', 'longest time' or 'greatest distance')?

'Of course' having a parent as the main insured driver (and registered
keeper) and then kiddo (named driver) drives it all the time *could*
be (once measured over what, a year) turn out to be 'fronting', but
was that the *intention* or was it just how it turned out (because say
the parent then got a company car)?

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?

What about chauffeurs? Is the insurance in their name?

Cheers, T i m