UK drivers admit to running fraud risk on car insurance

One in 10 drivers in the UK have admitted to having committed insurance fraud by naming themselves as the main drivers on the insurance policies of their children’s cars.

The practice, known in the car insurance industry as ‘fronting’, is illegal and risks invalidating an insurance policy, but a survey by found that large sections of the UK’s population have used it as a method of bringing down the cost of car insurance.

The results of the survey showed that 10 per cent of families had fronted on their insurance despite 45 per cent of people saying they knew the practice was against the law. A further 21 per cent of parents admitted that they would consider insuring their child’s car in their own name, with their child named as a second driver, in order to save money.

Car insurance experts at warned drivers against the potentially costly consequences of fronting and urged them to consider other ways to bring down the cost of car insurance.

Moneysupermarket’s Peter Harrison said: “It is deeply worrying how many people are taking the risk by ‘fronting’ on their car insurance, especially as this practice is illegal and will be classified as fraud by an insurer. It is also concerning so many drivers think fronting is legal or are simply unaware of its legality.  Any motorist falsely claiming to be the main driver of a vehicle is committing fraud, and taking a serious risk. Despite the attraction of saving money in the short term, there will be serious repercussions if they were caught, as their insurance will be invalidated. Further ramifications could result in a younger driver ending up in court being charged with driving without insurance.”

The advice from to drivers is to shop around for cheaper car insurance, rather than running the risk of illegal practices like fronting. By shopping online for car insurance, calculating their mileage carefully for their policy, and by taking sufficient steps towards securing their vehicle, people can significantly reduce the cost of car insurance without running the risk of falling foul of the law.

Peter Harrison added: “Motoring is expensive for younger drivers, with annual premiums for an 18 year averaging around £1271.50, so it’s not surprising that some motorists would consider it as a way to save money. This is a false economy, however, as the costs clearly outweigh the risk of being caught and ending up with invalidated insurance. There are easier ways to reduce the cost of car insurance – using price comparison sites to shop around and look for the best deal will save you £282 on average.”

Article courtesy of