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INSURANCE FRONTING & WHY IT’S A BAD THING! Fronting is when an older person, usually a parent, takes out an insurance policy in their own name and then adds a young driver as an occasional user to the policy. However instead of the older person being the main user of the vehicle as agreed with the insurer the young driver is in fact the main user. CONSEQUENCES OF FRONTING Fronting is an act of fraud. If the insurance company believes fronting has taken place the policy can be cancelled and a claim could be void. The insurance company can recover 3rd party costs from the policyholder potentially leaving a parent thousands of pounds out of pocket. The young driver can be treated as uninsured by police, resulting in a fine and 6 penalty points, enough to disqualify a restricted driver from driving. The young person will need to retake their driving test at the end of the disqualification period. FRONTING IS EASY TO SPOT Insurance companies are not stupid; if you have a collision they will check to see if the older person is the main driver of any other car. If there are as many cars as drivers in household then fronting will be obvious. If the car is registered to the young driver or if the collision involves a young driver on their way to or from school or work then insurers will suspect fronting. If you are worried about insuring yourself correctly we recommend that you speak to a broker. The young driver and parent will both face more expensive insurance in future. page # 48
CIP Insurance Brokers is Authorised & Regulated by the Financial Conduct Authority. page # 49
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