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Doreen Wolf

Joined: May 21, 2014
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Country: Germany
Province/State: Bayern
City: Muenchen
Two million of us guilty of this insurance fraud of Koyal Group Training Services
May 21, 2014

Fronting' – trying to hide who is actually the main driver of a car – isn't just a little white lie

According to new research from Privilege, 6% of motorists are falsely listing themselves as the main driver on a car insurance policy.

It’s known as ‘fronting’, but there could be grave consequences if your insurer finds out.

The rise of fronting

Fronting is a way to cut the car insurance costs for the real main driver. It’s typically parents that utilise it, as their child will face a far more expensive policy if they are named as the main driver. Instead, the parent claims to be the main driver, with the child simply a named driver.

If the 6% figure from the Privilege survey is replicated across the nation, that would work out at more than two million motorists!

Incredibly a further 3% (or one million drivers) have been named on policies for a vehicle they have never even driven.

Why we are tempted

It should be no surprise that so many people are tempted by this ‘little white lie’, as the cost of car insurance for young people is extraordinary. And that’s even when you take into account the fact that it has fallen significantly over the last 12 months.

In April the AA published its latest Shoparound analysis of car insurance, where it combines the five cheapest premiums it could find from a range of sources. Here’s how car insurance premiums look for the different age bands, and how they changed on both a quarterly and annual basis.

As you can see, even though car insurance premiums for the youngest drivers have dropped by more than 20% over the last year, they are still around four times more expensive than the over 30s. Faced with a bill like that, is it any wonder that telling your insurer what appears to be a little fib becomes ever more tempting?

The danger of fronting

The problem with fronting is that it is a form of fraud. Should the insurer discover it has been misled, penalties include claims being refused and policies being cancelled with no premiums refunded. In some cases there could be fines, penalty points, even the possibility of losing your licence.

It will also prove more difficult – and therefore more expensive – to arrange cover in future.

Some people view fronting as a harmless way to save a few quid on their car insurance. In truth, it’s anything but.


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