What is car insurance fronting?

With the ever-increasing cost of living, we’re all on the hunt for ways to save money wherever we can.

Car insurance costs have been on the rise for some time, especially for 17- to 24-year-olds. To ease these costs, it’s not uncommon for young drivers to add an older and more experienced driver, such as a parent or carer, to the policy.

Listing the parent or carer on the policy as the main driver when they are not, is known as fronting and is illegal. Car insurance fronting is a type of insurance fraud and could result in a penalty such as points on your license, a fine or a driving ban.

Unfortunately, fronting isn’t always detected by insurance companies. One of the main ways it could be discovered is when a claim is made, and an insurer identifies that the main driver has been disclosed incorrectly. This could result in them refusing to pay out for the claim, or they may even cancel the policy in full.

You should always ensure that any information you disclose to an insurance company is correct. If you are a young driver and you’re looking at ways to lower your insurance costs, our blogs ‘How can I reduce the cost of my car insurance as a young driver?’ and ‘What is black box car insurance?’ may be useful for you. Don’t hesitate to get in touch with us for further advice.