thanks never shay die. We intend to just be honest. I just noticed too that we did not buy the van til we had had the car 5 months. Anyhow I have applied for a data subject request (the phone recording between my son and them) however they have forty days to supply it.... and gosh this is bad but my niece used to work for a holiday co and would promise allsorts on the phone but only record the bits to suit them....she left as she could not bear all the old folks crying that they had not got what they were promised....just hope this aint happened!! as my insurers want a reply from me to confirm the info they said is correct i feel caught up - if i say not quite then my son looks bad - if i say yep then they will say i am fronting - I think it lacks detailing and this is what i will say to them - will let ya all know - my son had saved 700 quid towards buying his own car but wants to give us it now as he feels all his fault - bless

Hi - I am having major prob with car insurance (royal sun alliance - more than) Took out new policy in december with max ncd and protection, added my son as a named driver - he passed his test year before and we put him on the policy back then. I have a van also insured in my name with wife as named driver and my wife has car insured in her name with me as named driver. NOW THEN - my son borrowed the car and had an accident (NOT HIS FAULT - Some body opedned their car door as he was passiing) Car is a write off - offered us pitiful amount which we refused and now they are investigating the claim for what looks like fronting. They interviewed my son who answered truthfully that he can borrow the car at weekends and that his dad has a van for domestic work purposes. We (my wife and I) bought the car and the van 1 month before my son passed his test paid by our bank account and taxed by us and last year when we put our son on the policy we paid the cost (1600). This year now he is working and paying board (hoorah) he pays the 99 quid a month from his bank, 30 is his contibution to the policy and 70.00 is his board. the car is registered to me and I am the owner (i pay for all its repairs - groan)The letter they sent this week refers to my sons recorded interview and paints a different picture ie i only occasionally use the car for work purposes - in fact until it was written off - I took it to work every day. Also my son gets a lift to work and back in the works van. They also say that i usually use the van for work purposes - which is true as in I never use it socially or for pleasure (dont need to explain why but will oblige - comfort at my age is paramount) but it looks like I am saying that I dont use the car to get to my employed work. When the reality is that I only use the van for domestic work ie tip, recycling, small removals for family etc. I need to respond to the letter asap but feel that they have picked out words and left others out to incriminate me - they ask me how often my son drives car which is less than 20% in truth (it is my car and I have priority - also his girlfriend has her own car so they go out in that. Also my son works away couple of times a month for 3-5 days where he takes company van. I dont feel as though we are fronting and we never took the policy out for this reason - we paid for all extras so certainly was not trying to save cash - Any advise greatly appreciated. just so you know customer relations at royal sun alliance and more than is pants - the people you talk to in far away places like india have been the most helpful