Drivers using a fronting policy 'are committing fraud'
Personal insurance
9th October 2008
Young drivers who try to use a "fronting policy" by claiming they are not the main driver of their car are in fact committing fraud, it has been claimed.
The Association of British Insurers (ABI) explains that drivers who lie and claim they are only an occasional user of their vehicle in order to pay cheaper premiums could well lose out in the future.
Malcolm Tarling, specialist in general insurance for the association, said: "If the insurer thinks you are, in fact, the main user when you have led them to believe that you are an occasional user, they could turn down a claim for damage and theft."
He added insurance will then also be more expensive from that provider in the future.
Mr Tarling said the reason premiums for younger drivers are higher is because those aged 17 to 21 are ten times more likely to be involved in an accident than those over 30.
Former student Kev O'Sullivan, 26, told the Independent younger drivers should have greater information regarding the illegitimacy of "fronting" their insurance policy with their parents' names when at university.
