Car insurance WARNING – Writing THIS on your premium could see you prosecuted for fraud | Cars | Life & Style


There is a method of gaining a lower car insurance premium which could have severe consequences for the driver. 

The technique is called “fronting” and is a process of intentionally deceiving the insurer about who is the main driver is. 

How it works is, typically a more experienced motorist claims to be the main driver of the car despite a newer less experienced driver who will be using it most.

It is commonly something that’s done by parents who are insuring their child for the first time, in a bid to subvert the extortionate initial premiums. 

The method allows younger drivers be attached to the policy of a named driver and benefit from their parents’ no claims discount and driving experience to lower their premiums. 

Fronting is however illegal and could not only invalidate your car insurance premium but also land you in court. 

However, adding a lower-risk and more experienced driver to your policy is legal and may cut premium costs – declarations about their usage must, however, be accurate. 

According to information provided by GoCompare, 41 per cent of the parents surveyed said they would consider doing it to save their child money

Matt Oliver, spokesperson for GoCompare Car Insurance, said to Express.co.uk: “Fronting describes the deliberate intention of the named driver, often a child of the proposer or younger/less experienced driver, being the sole or main user of the vehicle. 

“In this instance, using a more experienced driver to bring the cost down is illegal, and you could find yourself invalidating your car insurance policy, meaning you’d actually be operating your vehicle without cover.

“What’s more, as fronting is illegal it could land you in court, and impact on your ability to take out any sort of insurance in the future.

“The main thing to remember as always with insurance, if you are honest and declare information to the best of your ability there should not be any concerns from an insurer perspective in the event of a claim.”

There are a number of ways drivers could actually save money and cut the cost of their car insurance premium that are legal. 



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