What is ‘fronting’?
Fronting is when someone tells their insurance provider that they’re the main driver of a car when actually, they’re not. It’s usually done in an attempt to get cheaper car insurance. With the average cost of running a car (Insurance, fuel, road tax, MOT and breakdown cover) if you’re 17-24 being £2,299** it might be tempting.
It might sound like a harmless mistake but more than 4,000 fraudulent car insurance applications are uncovered every week and fronting is one of the most common issues, with parents insuring a vehicle in their name that is being mainly driven by their son or daughter. At best, it means your policy could be invalidated and your insurer won’t pay a claim which could lead to a conviction for driving without insurance, at worst it could result in a prosecution for fraud and a criminal record. It might save you a few pennies in the short term, but it’ll come back to bite you.
Whether someone’s put down as a main or named driver might seem like a narrow distinction but insurance premiums are calculated based on statistics – the more likely you are to make a claim, the higher your premium. Students (who live in big towns and city centres where car crime is higher) and young drivers, are inherently a high risk to insure. But it’s not personal, much can be put down to lack of experience which can result in greater chance of accident (a quarter of young drivers are involved in an accident within two years of passing their test).