What is ‘fronting’

May 28, 2015

More than two million UK drivers are guilty of fronting, a type of insurance fraud in which motorists try to hide who is actually the main driver of a car, according to recent research. However, fronting is not some inconsequential fib—it has serious consequences.

Fronting is an attempt to cut car insurance costs for a vehicle’s real main driver. The biggest culprits are parents trying to slash their children’s insurance rates. By claiming to be the main driver rather than their children, parents secure a lower insurance rate for their children, helping to offset the disproportionately high costs of cover for young people.

It is easy to see why motorists are tempted to engage in fronting—even though premiums for young drivers have dropped more than 20 per cent over the last year, they are still almost four times more expensive than rates for drivers in their 30s, according to the UK Automobile Association.

But what may seem like a little white lie is actually very risky—penalties include refused claims, cancelled policies with no refunds and the possibility of losing your licence. Fronting can also make it more difficult and much more expensive to obtain cover in the future since insurers are less likely to indemnify fraudulent customers. Although fronting may momentarily help you save a few quid, in the long run the costs are much higher.

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