Illegal Fronting by Parents

Car insurance fronting is becoming a common problem with UK motorists, especially with parents wanting a cheaper motor insurance quote, but what many drivers are unaware of, is that they are actually breaking the law in doing so.

According to swiftcover.com one in four policy holders claim to accidently putting their son or daughter as a spouse or partner, instead of a named driver. In fact car insurance fronting has almost doubled in the last two years.

What is fronting?
Fronting is where an experienced motorist adds a young or new driver as a named driver to their policy. The main driver should be the one using the car most of the time and any additional drivers should be only driving occasionally. If the young or new driver uses the car more than the main driver, it is called fronting and is illegal as false information has been given to the car insurance company.

In some cases policy holders have often added a younger driver, normally a son or daughter, to their policy under the relation of ‘spouse’ or ‘partner’ therefore saving even more money on car insurance illegally.

Swiftcover says insurance companies share information between themselves and other agencies to help spot the tell-tale signs of attempted fraud.

Robin Reames, claims director for swiftcover.com, states that car insurance companies are “cracking down” on insurance fronting, as it eventually ends up costing other motorists more money.

Furthermore, anybody caught fronting – both the younger driver and the older driving committing the fraud – will face much higher insurance premiums in the future and may even be turned down by many insurers.

Add comment March 3rd, 2010