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Car insurance fronting

Car insurance fronting

Car insurance for 17 to 24-year-olds can be notoriously expensive. So, in a bid to get a lower premium for their child, a parent may insure a car in their name when they’re not the main driver.

This is known as car insurance fronting. It’s a type of car insurance fraud and is illegal.

Daniel Hutson
From the Motor team
minute read
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Posted 03 AUGUST 2020

What is car insurance fronting?

Fronting is a type of car insurance fraud where a more experienced driver claims to be the main driver of a car, when in fact they’re not. People do this as a way to get cheaper car insurance, often for their children.

Car insurance fronting is most common with young drivers, who are trying to keep the costs of their car insurance down. They’re added as a named driver to a policy (usually their parents’) when they’re actually the main driver or owner of the car.

Is car insurance fronting illegal?

Car insurance fronting is illegal and is a type of car insurance fraud. If you're found guilty of fronting, you could end up with a fine of up to £7,000 and six penalty points on your driving licence. Fronting can result in more expensive car insurance premiums in the future and some insurance providers may even refuse to cover you.

Why does fronting happen?

Driving can be pretty expensive when you first start out. The average car insurance premium for a 17-24-year now stands at £1,182** - that’s a small decrease of £38** over the past year.

It’s understandable that parents may want to help with costs. But by putting themselves forward as the main driver and letting their children piggy-back their no claims discount, they and their children are committing fraud and breaking the law.

**Compare the Market's Young Drivers research from July 2020.

What are the potential penalties for car insurance fronting?

A case study from the Association of British Insurers shows where fronting can lead. It describes how a woman claimed on her insurance for a car accident in which her son, a student, was driving. It soon emerged that she wasn’t the main driver of the car, despite saying so when she applied for the insurance. The accident had happened where her son was at university, hundreds of miles from her home, and she described him as “parking in the same spot every day”.

The claim was rejected and the policy voided. An appeal to the Financial Ombudsman was dismissed.

Fronting can have other potential consequences too:

  • repayment of any costs incurred by your insurance provider
  • more expensive premiums in the future
  • refusal by insurance providers to insure you
  • six points on your licence and a fine of up to £7,000
  • a possible licence ban
  • prosecution for car insurance fraud
  • a criminal record

Legal ways to reduce your car insurance costs

There’s no doubt that cheap young driver’s car insurance can be hard to find. But there are ways you could reduce your premium without breaking the law.

Some ideas include:

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