Fronting
Joined: Mar 2001
Posts: 31,181
Likes: 58
From: Hertford
My first 'ouse were nowt more than a shoebox at side of het road.
Studio flat, they called it. And it were damp.
Mind you, it was one of het most desirable roads in town...
Actually, don't worry; in a couple more years' time, if you are fortunate enough to be considered creditworthy, houses will be very much more affordable and we can all get rich at the expense of the next generation and the poor. Again.
Studio flat, they called it. And it were damp.
Mind you, it was one of het most desirable roads in town...
Actually, don't worry; in a couple more years' time, if you are fortunate enough to be considered creditworthy, houses will be very much more affordable and we can all get rich at the expense of the next generation and the poor. Again.
Registered User
Joined: Jul 2008
Posts: 2,769
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From: Gatport Airwick
Mum let me use her car when I first passed my test - nearest train station was 15 miles away and we had 1 bus once a week to get to the local town for the market and then back later that day. It has changed now I am reliably informed. I used Mum's car to get to work to earn money to buy, tax, insure and MOT my first car. Mum refused to let me buy a heap. So took until I was 18 to achieve, but I had a bright yellow MKII fiesta - with a factory fitted sunroof that an old dear had sold when she gave up driving. When i went to Uni, Dad was abroad and he gave me the money to insure the car in my name but with him on the insurance on the understanding that he could use it whenever he came back to the UK. It was the only reason I could keep the car when at Uni. And 4 weeks of the year is hardly a major drama.
Mum was protective of her car so I didn't get it for personal stuff other than earning money the only time I remember her saying "you can drive my car now" was one night when she wanted to be picked up after a party!
Mum was protective of her car so I didn't get it for personal stuff other than earning money the only time I remember her saying "you can drive my car now" was one night when she wanted to be picked up after a party!
Registered User
Joined: Apr 2010
Posts: 3,848
Likes: 0
From: Southampton/Reading
Originally Posted by gbduo' timestamp='1309202218' post='20724245
[quote name='lovegroova' timestamp='1309200971' post='20724165']
[quote name='gbduo' timestamp='1309191019' post='20723451']
I live in Reading, to get a house anywhere around this area, it is about £150k for a studio flat. Unless you are going to rent out the flat, you don't buy flats as they are not a good investment, so you can understand why young people in the M4 Corridor especially find it hard to get on the property ladder.
But it is just one of those things, what can you do, the jobs are in the South East, the supply of houses is low, but demand is very high. Simple economics. No point in whinging about how hard life is, better to just get on with it and find a job that means you can save your earnings, hence for me, this means working at sea which gives me tax free money. Makes life a lot easier to get a sizeable deposit quickly...and be able to afford life's little luxuries.
[quote name='gbduo' timestamp='1309191019' post='20723451']
I live in Reading, to get a house anywhere around this area, it is about £150k for a studio flat. Unless you are going to rent out the flat, you don't buy flats as they are not a good investment, so you can understand why young people in the M4 Corridor especially find it hard to get on the property ladder.
But it is just one of those things, what can you do, the jobs are in the South East, the supply of houses is low, but demand is very high. Simple economics. No point in whinging about how hard life is, better to just get on with it and find a job that means you can save your earnings, hence for me, this means working at sea which gives me tax free money. Makes life a lot easier to get a sizeable deposit quickly...and be able to afford life's little luxuries.
Thanks all the same though, the prices have come down a lot this year, so my information was evidently somewhat out of date. Sorry about that.
Graham
[/quote]
This is basically my plan now.
Going to save up while renting cheaply (relative) for now and eventually get a mortgage for something decent. its just the money you spend for what you actually get thats so ridiculous, and we all sort of pray it keeps going up and getting even more and more stupid so that we can make some money out of the blooming thing if we buy a house
I dont see the point in doing it just to live in a shit hole. (Also in the Reading area btw so I know where you're coming from).
[/quote]
You live ridiculously close to me don't you? I live in Mortimer, by Grazeley, Tadley and Burghfield.
I have seen you a few times drive through Tadley by AWE.
Joined: Apr 2001
Posts: 7,653
Likes: 4
From: The Beautiful South
Interesting & timely topic for me Pete.
My 17 year old son passed his test about two weeks ago.
He will be driving my 'station car' when I am not using it as a named driver on my insurance!
Living in a small village on the Sussex High Weald (i.e. no public transport to speak of), having him drive himslef to the sports centre, shops, etc will reduce the amount of running about my wife & I do.
Car is now insured with Coverbox who are coming to install their big-brother tracker box tomorrow....even going this route it is costing about £1200 to insure a Toyota Aygo.
So, am I fronting?
I sincerely hope not.......and addressed this very question head-on with the insurer. As I will be driving the car more frequently, and further than my son, they assure me that setting up the insurance the way I have is above board and legal.
I have imposed a rule on him inspired by our septic friends - he is not allowed to take passengers in the car for the next 6 months. If he gets caught breaking this rule, I get to save a lot of money on insurance premiums,
My 17 year old son passed his test about two weeks ago.
He will be driving my 'station car' when I am not using it as a named driver on my insurance!
Living in a small village on the Sussex High Weald (i.e. no public transport to speak of), having him drive himslef to the sports centre, shops, etc will reduce the amount of running about my wife & I do.
Car is now insured with Coverbox who are coming to install their big-brother tracker box tomorrow....even going this route it is costing about £1200 to insure a Toyota Aygo.
So, am I fronting?
I sincerely hope not.......and addressed this very question head-on with the insurer. As I will be driving the car more frequently, and further than my son, they assure me that setting up the insurance the way I have is above board and legal.
I have imposed a rule on him inspired by our septic friends - he is not allowed to take passengers in the car for the next 6 months. If he gets caught breaking this rule, I get to save a lot of money on insurance premiums,
Joined: Feb 2007
Posts: 9,424
Likes: 309
From: Dunfermline.
ianl, if as you say you will drive more often and further than your son I would consider you the main driver and so all in order, I drive the S more than swmbo and I'm the main driver, only just though. 
Some parents insured as the main driver may shift the childs car out of the drive only when it's in the way of their own set of wheels, I know I've seen it happen in my street.
Some parents insured as the main driver may shift the childs car out of the drive only when it's in the way of their own set of wheels, I know I've seen it happen in my street.
Joined: Jan 2006
Posts: 20,788
Likes: 8
From: location, location
My mothers 999c Fiat panda was used a family car (used by my mother, father and my sister), my father was waiting/saving for the arrival of his new car in 2000 and i had just passed my test, my sister had just acquired a new car so i could use now use the 'panda'.
Me and father shared the car for 3-4 months, he was the main driver and probably used it 70% of time with me using it in the evenings and possibly at weekends.
I was in my last year at college (17 year old with a few months left) and had a weekend job but couldn't afford insurance, a car nor afford running one, all my father asked was i paid for the fuel I used, did oil changes etc, washed it and maintained it moderately and he would put me on the insurance as 3rd party. - pretty good deal i thought, no need for heavy handed tactics it was a mutual agreement between me and my father, he wouldn't hesitate for a second to take the car off me if i stepped out of line.
I learnt a lot from this experience. It was far from a 'pussy magnet', i remember dating one lady and my mate another, i said i can pick them up and the 4 of us will go to the cinema, my mates girlfriend remarked 'bloody hell looks like dell boys car, its so basic', i said 'Well piss off there's a bus stop over there!'.
It gave me a sense of freedom, but for the next 4 years i didn't really driver nor acquire my own car and insurance until i graduated from uni and got my first well paid job. Some of my mates were handed a nice car on a plate. I remember lads asking me if i wanted to do 'donuts' by the backs, but in the back of my head i would damage the tyres and my father would make me buy new tyres whilst my mates parents would buy them.
Unfortunately it was a little unreliable, it was sold and two lasses somehow 2 weeks after buying it (god knows how they managed to pick up speed) wrote it off!
.
Some young lads these days don't know they are born, my cousin is an example of this.
If this is classed as fronting , i don't know but it doesn't bother me.
Me and father shared the car for 3-4 months, he was the main driver and probably used it 70% of time with me using it in the evenings and possibly at weekends.
I was in my last year at college (17 year old with a few months left) and had a weekend job but couldn't afford insurance, a car nor afford running one, all my father asked was i paid for the fuel I used, did oil changes etc, washed it and maintained it moderately and he would put me on the insurance as 3rd party. - pretty good deal i thought, no need for heavy handed tactics it was a mutual agreement between me and my father, he wouldn't hesitate for a second to take the car off me if i stepped out of line.
I learnt a lot from this experience. It was far from a 'pussy magnet', i remember dating one lady and my mate another, i said i can pick them up and the 4 of us will go to the cinema, my mates girlfriend remarked 'bloody hell looks like dell boys car, its so basic', i said 'Well piss off there's a bus stop over there!'.
It gave me a sense of freedom, but for the next 4 years i didn't really driver nor acquire my own car and insurance until i graduated from uni and got my first well paid job. Some of my mates were handed a nice car on a plate. I remember lads asking me if i wanted to do 'donuts' by the backs, but in the back of my head i would damage the tyres and my father would make me buy new tyres whilst my mates parents would buy them.
Unfortunately it was a little unreliable, it was sold and two lasses somehow 2 weeks after buying it (god knows how they managed to pick up speed) wrote it off!
.Some young lads these days don't know they are born, my cousin is an example of this.
If this is classed as fronting , i don't know but it doesn't bother me.
Registered User
Joined: Aug 2008
Posts: 485
Likes: 0
Doesn't sound like fronting from what you say. What most people do is that they buy the insurance as THE MAIN DRIVER and just hand the car to their offspring who actually is the main driver and parents rarely using it. SOmeone correct me if I am wrong.
Thread Starter
Banned
Joined: May 2002
Posts: 31,739
Likes: 69
From: Survivalist enclave
There really isn't anything complicated about fronting.
It is quite simply nominating someone as the main driver in the knowledge that they won't be.
It's mainly a question of who uses the car the most but there will be other factors that determine whether fronting has occurred - such as where the car is kept most of the time
ie in a college car park or where a student lives and not "on the drive" or "in the garage" as declared when taking out the insurance
Ian - your plan sounds sensible
It is quite simply nominating someone as the main driver in the knowledge that they won't be.
It's mainly a question of who uses the car the most but there will be other factors that determine whether fronting has occurred - such as where the car is kept most of the time
ie in a college car park or where a student lives and not "on the drive" or "in the garage" as declared when taking out the insurance
Ian - your plan sounds sensible