Fronting is lying about who the main driver of your car is, in order to get cheaper premiums.
Fronting means having an older or more experienced driver - usually a parent - claim they’re the main user of the car that’s mostly driven by a young person, or other high-risk motorists, to reduce the cost of car insurance.
Parents are usually fronting to make their children’s car insurance cheaper, but it’s a type of fraud and it's illegal.
If you do it, you could end up with a criminal record and it will invalidate the young drivers’ car insurance too.
“Fronting shouldn’t be underestimated by parents; it is a criminal offence and has serious consequences.”Acting DCI Craig Mullish, City of London Police’s Insurance Fraud Enforcement Department (IFED)
Here are seven legal tips to help young or new drivers save money on their car insurance.
You could save £196 by adding an experienced additional driver to your policy
A smaller engine (less than 1000cc, or close to 1.0 litre) will mean it’s in a lower insurance group, giving you cheaper premiums
A telematics policy can give you cheaper premiums if you’re a safe driver
If you can afford to, choosing to contribute more to the cost of a claim can lower your premiums
It’ll show the insurer you’re committed to safer driving, and give you confidence beyond your years on the road
Buying your insurance policy in plenty of time could mean insurers see you as less of a risk
Each insurer will have something slightly different to offer young drivers, so compare policies to find the right one for your needs. You could save up to £240 by switching your car insurance!
Between 18 and 24 October 2018, One Poll conducted an online survey among 1,000 randomly selected British adults with children aged between 17 and 25 who can drive
Based on GoCompare data from July - December 2018.
Price savings are based on independent research by Consumer Intelligence, conducted between 1 August to 31 August 2019:It compared 28 insurers from our panel and found 51% could save up to £240.04 with us on their car insurance
Average cost of annual car insurance by policy type bought through GoCompare in June 2019
*Average cost of annual car insurance purchased in May 2019 via GoCompare when the policyholder is 17