Insurers should investigate first and not make allegations that they can't prove. They can believe what they like, but this must be backed up by information that they have found to come to this belief.

 

If I were you, I would stop reading some of the stuff online. Yes there are some idiots out there who have been fronting and been caught out. That is their problem.

 

Sometimes these online forums can be a breeding ground for hysteria.

Though a good lesson learnt for next time, thanks again for the help.

I'll just keep my head up and see what happens.

They can suspect fronting from documentation for the car. V5 reg document, invoice/receipt for purchase, invoice/receipt for repairs/servicing, who paid the car tax. etc. They will request all the documents to do with the car and they will check as much as they can. They will also request copies of driving licences and will check for any offences. If they find out information about the main driver e.g. they claimbenefit for a disability that would affect driving, then this might suggest that someone else is the main driver.

 

Insurers will ask for information, so that they can investigate as far as possible, whether the information given to take out the policy was correct. If your dad gave accurate information, then it would be difficult for the Insurers to prove who had actually been the main driver.

Been just readig this:

 

If an insurance company believes "fronting" has taken place, it can refuse to pay any claim. The young driver can then be treated as driving without insurance and face a fine with six points penalty points on their licence.

I guess Insurance companies will have access to everything.

Thanks for the reply unclebulgaria67.

I guess I'm over-reacting. Really appreciate the advice and will take on aboard everything you mentioned.

One more question, how can they suspect fronting?

Are you both on the insurance policy?

Yeas. Father is the main driver and I'm the second driver. Both under the same Insurance but the car is also registered under his name too.

I'm in desperate help here folks. Been literally worried to death about this.

Had an accident some time last month. The car infront took an emergency brake and I failed to stop. The car infront only had some minor scratches which probably cost £30-40 to repair where as ines was totalled, 15 year old banger.

The car is in my fathers name and I'm the second driver, rarely use it. However I'm scared my insurance may be void due to fronting. I didn't claim liability yet or on the day.

The other person is claiming some sort of injury but her car was alright just some minor issues on the bumper.

I'm afraid I may end of in debt £15-20k if the company voids the insurance and I'll be liable to pay even though her car was fine and she walked out uninjuried.

I've read a few threads and get a feeling I may be liable for the liability rather than the insurance company.

Any advise on what I should prepare myself, got the letter form the solicitor. I need to be prepared for the worst. Is it possible to declare bankruptcy, I can't afford to have my parents in debt because of this. They are both on minimum wages and have worked hard all their lives.

I'm prepared to have a crap credit report etc;

Thanks for any responses.