Before you commit to any Legal action you are advised to contact a qualified legal practitioner. Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive. Thanks for your quick response. However, the way i understand it is that the mum or dad say they are the main driver when they are not and the son or daughter is a named driver when they are infact the main driver.
I am the main driver and allow my son to drive the car but he has to earn that privilege, he's 18 thinks he knows everything there is to know and that we have never been young. He does not work he goes to college, there's no way he can even begin to afford to run a car, even to put petrol in it.
Really mad at insurance company for their total slyness on this, there's people out there with no insurance and no tax. I've done everything above board and their accusing me of fraud :confused:. Have you thought about taking this complaint to the FOS as i know they do mediate in insurance claims. Financial Ombudsman Service. This would mean that you would have needed alternative transport.
Not sure what your job is, but do they have car park security cameras? Do you have colleagues that can witness that you drove the car to work? I agree that it is not your responsibility to prove that you are not fronting, but my feeling is that if there is something simple you can do to prove your case then it will get the claim settled a lot quicker. These 'fronts' as you call them or brokers as they are more correctly termed can ask any questions they like that they feel is material to the risk of the policy.
They cannot just ask anything because the underwriting company would need to prove a statistical basis for that question should any complaints occur this is why they can rate on your age despite the age discrimination act. The information you provide is then run against a number of products. Now these products can be very very different. For example one might rate on whether you smoke or not risk of fire , another product may not have this question. If the product does not have this question then they cannot come back at a later date and state that because you smoke they won't cover you, even if they can prove that this makes you more risky.
If, say, you put that you were a smoker into the website then all policies that declined you for smoking should not be available. If one is available then it is not your fault, it is the fault of the broker as they have mis-sold you insurance cover.
This is serious business, but you are protected because the blame does not lie with you. However you do need to be very very careful about what exactly you are buying. Never purchase insurance without carefully reading the policy wording and plenty of people here will help explain anything ticky to you. Sadly the days of internet selling has made the process all too automatic, and many people just rush through it without realising there can be big difference in what you are buying.
Fronting is a very difficult to detect type of insurance fraud. It is where you lie about who is the main driver in order to alter the level of risk in order to drive a lower premium. They would need to prove that a riskier named driver used the vehicle more than the main driver in order to prove that fronting has occurred.
I know it is frustrating, and it is wrong of the insurance company to lie to you, but I'm going to be a bit sympathetic to them for deciding to investigate you. Fronting occurs a huge amount, and it costs a lot of money.
And it's not the insurance company that ends up paying for it because thye just raise their prices - it is innocent people who end up paying for it. Don't take it personally, because it isn't personal. They are not accusing you of this, they are investigating it. And it happens a hell of a lot so don't feel that you are being singled out. Just tell the truth to the investigator and you should have nothing to fear. If you can find anything to support your position then prepare it for that meeting.
However if things go slowly after they have not found anything then start to complain like mad!!! Are you going to pay your builder or your second-hand car dealer in cash or with a bank transfer? Are you happy that your personal medical details are sold to industry?
Search In. Serious fault with used car 3 months of ownership. Wickes bathroom complaint - appalling customer service!. Using phone whilst driving - even though I wasn't! I also find that it's deeply unpleasant that the letter starts off saying that you "admit to being the driver", as if that is the offence and that is what has condemned you.
The notice was issued on 26 October. You have 28 days to reply. Make your decision. If you want to put your hands up then let us know and if you want to challenge it then let us know. However, if the named driver is then in an accident issues may arise, such as your policy being invalidated and your insurer refusing to pay out.
This is because insurance companies calculate your premium based on the information you provide, including a variety of risk factors — and young drivers are classed as higher risk. If information is found to be inaccurate then it may be that your policy is revoked, as you have failed to disclose information which could have resulted in your quote being more expensive initially. Entering into an insurance policy has contractual obligations and expectations attached, and lying fails these agreements.
Aside from the legal ramifications, there are other downsides to fronting a car insurance policy. By shopping around it's possible to get driver cover for the equivalent of a couple of pounds per day.
The driver insurance is one that offers good value and sufficient cover for your needs, without too large an excess. This will result in a cheaper monthly premium. Before you take out car insurance make sure you can afford any voluntary excess. This excess is in addition to the compulsory excess set by your insurance provider.
This is what you would have to pay if you ever have to claim. Pay upfront. Pay for your insurance in one go if you can. Spreading the cost of your car insurance over 12 payments, monthly, may seem cheaper but remember you will be paying interest on top of the amount you pay towards your car insurance premium. Drive less. Limiting your miles makes you less of an insurance risk.
For a free, non-obligatory quote on your car insurance today, simply click or tap the green button below. Get a Quote. Black box car insurance: The pros and cons. The best short-term car insurance in the UK. Young driver car insurance. Tips and tricks for cutting costs on your car insurance. Car insurance: What is 'fronting'? Contents: What does fronting mean? Can insurance companies prove fronting?
0コメント