Not only is fronting illegal, it doesn’t help you reduce your insurance premium in the long run, and can land you in a lot of trouble.
What Is Fronting?
Fronting is when someone claims to be a main driver on an insurance policy, when they may never drive the car or only use it occasionally. This is usually done to bring the premium down for a higher risk driver, such as a young driver or someone who has recently passed their test, who is actually the main driver.
Why Is Fronting Wrong?
Firstly it’s illegal and if you are caught doing it you may end up having a criminal record as fronting is considered fraudulent activity. Secondly, fronting invalidates your car insurance just like any other lie would, and it could cause you to lose a lot of money in the event of an accident, as your policy will be made void and any claims will not be paid out - especially if it involves a third party and you’re left to pay out of your own pocket.
What Counts As A Main Driver?
The main driver is whoever drives the car the most so, for example, if you own a car but your child uses it to drive to college or work every day, and you only use it to do the shopping at the weekend, then the child would be considered the main driver as they drive the vehicle most often.
Why Shouldn’t You Risk Fronting?
For a start, the longer you have your own insurance and earn your own no claims bonus, the more your premium is likely to go down. However this doesn’t apply to people who aren’t listed as the main driver on the insurance, so by being listed as an additional driver, even though you’re the main driver, will mean you won’t earn your own no claims bonus/discounts. Secondly with great young driver telematics insurance policies now available, young drivers can bring their insurance premium right down by getting a black box fitted to your car, and proving you’re a good driver. What’s more, if you or anyone else listed on the policy is caught fronting an insurance policy for someone else, then you may even struggle to find insurance in the future.
Telematics Insurance Is the Answer
When purchasing car insurance, staying above board and legal is always the best course of action. If you’re a young driver or have recently passed your test, then getting on the road can sometimes be quite expensive, but with a black box insurance policy from Think Insurance, young drivers can get a competitive price, great customer service and no restrictions or curfews! Get in touch today using the Get a Quote form or give us a call on 0800 221 8077.