“Fronting” is when someone is the main driver or owner of a car, and yet is only insured as a named driver – usually on a parent’s insurance policy. Anyone doing it is unlikely to be insured – their policies will be void.
This story has some interesting statistics. It says that 25% of young drivers have lied to get cheaper insurance, and 68% of those claimed they didn’t know they were wrong.
The report adds that 39% do not declare modifications to their cars, and 41% lie about keeping the car in a garage. Based on my own recent observations, they could have added a similarly large statistic involving lying about where you live by up to 150 miles (so far) in order to get the postcode disadvantage of your actual location off your policy.
People who think they’re clever like this are incredibly dim, though. None of them can grasp the concept of not being covered through voiding your policy, or of being prosecuted and receiving points and a ban as a direct result. Few seem to realise that you don’t have to be involved in an accident for the deception to be detected and lead to such a ban.
And none seem to have any inkling of just what such a ban would do to your career and future insurance premiums – directly and indirectly – if you got one.