Is £3600 insurance a lot for 18 year old?

Yeah my dad isn't really the main driver lol, that's a bit if a lie to bring the cost down (if i was the main driver insurance goes up to £6000).

And are you saying my annual mileage is too high? Because apparently the average miles people drive in a year is 120,000?


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And are you saying my annual mileage is too high? Because apparently the average miles people drive in a year is 120,000?


Posted from TSR Mobile

Is £3600 a lot when you're fronting on insurance? I'd say not. It is highly unlikely that your dad is genuinely going to be the main driver on a 1 litre Polo. It'll look even less likely if dad has another car.

85k a year mileage also isn't helping your case at all. (I presume that's what you meant, as insurance want to know how many miles you'll do in a year, not how many miles the car has already done). If you genuinely expect to travel 85k a year (that's 232 miles a day, every day, for a year) then I take my hat off to you.

Also, the main factor for insurance these days is the area in which you live. You might well find that your insurance is high because you live in a higher car-related crime area.

~Matt

Yeah my dad isn't really the main driver lol, that's a bit if a lie to bring the cost down (if i was the main driver insurance goes up to £6000).

And are you saying my annual mileage is too high? Because apparently the average miles people drive in a year is 120,000?


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Jesus christ. DO NOT insurance front. If in an accident, your insurer will void your policy, you AND your dad will either get points or lose your licenses and since it's fraud, you can expect a nice little criminal record for you and your dad. Oh and your insurance in the future will be double what it would have been.



You on crack? Try about 8-10,000 miles.

Definitely not 120,000. That's like 330 miles every day. I think you mean average mileage of a car, which by the way has nothing to do with insurance. People normally drive 3000-15000 a year I would guess.

I know it's quite dodgy and illegal but what else can I do? Insurance is so high that i need to resort to these measures. Insurance brings people into a vicious cycle where the cost is too high, which makes people do illegal/fraudulent things to bring the cost down, which i turn makes insurance costs even higher and it starts all over again.


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Because apparently the average miles people drive in a year is 120,000?


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How about you don't do it? How selfish are you? You hit another driver and because you're a fronting little scummy, they need to claim on THEIR OWN insurance and lose their NCB and that makes their quote for next year go up? If you actually do front, then I hope both you and your dad get a record for it, the police will prosecute as this fraud is being cracked down on A LOT recently. Is a 20 year criminal record worth it? Fronters contribute to the uninsured drivers that add about £30 onto EVERY SINGLE PERSONS policy in Britain. Scum.

I didn't think of it that way. I think it's because i have like 5 cousins (all of who drive without insurance and have been doing so for years). And i just realised I haven't said that I haven't done this yet, I don't even have a car yet, I'm just saying as i will be driving soon and i really need to make the insurance go as low as possible for an 18 year old who's new on the road.


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Also you all keep saying the word "fronting". What does this mean?


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Trust me. It ain't worth it. If that person refuses to claim on their own insurance, you'll be prosecuted you for all costs to cover repairs. All traffic cop cars are fitted with ANPR now. These systems are incredibly hi-tec. All you need to do is drive past one, even for a second, and it will flag saying you have no insurance. Do it all above board, the first year is a killer, but it's a killer for everybody, but isn't it better paying out rather than every time you nip to Tesco for some milk worrying if you're gonna get pulled over, lose your license, get a criminal record, get your vehicle seized and get a fine?

I agree with you. The legal way is always the better way. But technically i will have insurance and be insured right because i will be the second driver. The only lie i an telling is that my dad is the main driver.


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Fronting is when you own a car and are the main driver, but put an older, more experienced driver as the main driver on the policy to reduce the cost.