What is 'fronting'?
‘Fronting’ is a kind of insurance fraud. It refers to the practice of adding named drivers to a policy who are actually the main user of the car. In the past, this may have been seen as a way to reduce insurance premiums for new, inexperienced or young drivers. That’s because the main driver listed on the policy would be a more experienced driver (like mum, dad or partner) and therefore their insurance premiums are likely to be lower.
When insurers provide a quote for you car insurance, they make certain assumptions based on the details you provide. So if you’ve listed yourself as the main driver, they’d be right to assume that you’d be using the car the most. They would then calculate how likely you are to have an accident and provide a quote based on that assumption. But if in fact your named driver is using the car more often that calculation is untrue and the price they have provided isn’t a fair reflection of how much it should cost to cover your car and the drivers.
If you’re found providing incorrect details to your insurer in order to reduce the cost of your insurance premiums, your insurance will be invalidated. What’s more, as ‘fronting’ is a type of insurance fraud, you could actually be prosecuted.