Car insurance is a crucial aspect of responsible vehicle ownership. However, some individuals engage in a practice known as “fronting,” which can have serious legal consequences. In this article, we’ll explore what fronting means, why it happens, and the potential penalties for those involved.
What Is Fronting in Car Insurance?
Fronting occurs when someone falsely presents themselves as the main driver of a car to secure a cheaper insurance rate. Typically, this happens when an older driver or parent claims to be the named driver on a vehicle, even though it is primarily driven by a young, less experienced motorist.
Why Does Fronting Happen?
The main motivation behind fronting is to save money, especially in an era of rising car insurance costs. Premiums have increased across the board, hitting younger drivers particularly hard. Statistically, younger drivers are more prone to accidents than their older counterparts, despite making up only 7% of UK license holders. Shockingly, they are involved in 24% of all fatal collisions.
Consequences of Fronting:
- Rejected Claims: If a third party is involved and makes a claim against your insurance, your insurer will likely reject it. Furthermore, they may pursue you to cover the claim afterward.
- Policy Cancellation or Voidance: Your insurer is likely to cancel or void your policy, leaving you uninsured. Remember that car insurance is mandatory in the UK, and driving without cover is illegal.
