Some research has recently been carried out by an insurance company relating to fronting that gives cause for concern but perhaps we should first explain what fronting actually is in relation to motor insurance.
Well, fronting is where the person who is named on the car insurance policy as an additional driver is actually the main driver of the motor vehicle.
Why is this a concern? Well, one of the reasons is that the amount an insurer charges its policyholders for motor insurance is the main driver’s risk profile.
Aviva undertook some research of over 2,000 drivers in the age range 17 to 25 and it discovered that one in six of those people admitted to being named on a motor insurance policy as an additional driver on say their parent’s policy when in fact he or she was actually the main driver of the vehicle i.e. they were “fronting”.
It should be noted that fronting is illegal and fraudulent and could result in serious consequences. It is in fact a type of insurance fraud that could result in the policy being invalidated. Such offenders could end up in court, having the vehicle crushed, being banned from driving, be fined and have a claim turned aside. Getting car insurance in the future may prove difficult and cost more than it normally would.
The research also found that although the majority of young motorists applying for motor insurance are honest a staggering 35% were of the opinion that they were only committing a victimless crime when providing false information on such applications.
The same percentage were aware that they could be faced with having to pay a fine that is unlimited so potentially could run into thousands of pounds. 51% of young motorists were aware that if they did not have suitable car insurance they could be banned from driving. 45% of young drivers were aware that the police could seize their cars from them if they were discovered to not have suitable motor insurance.
So, if you are a young driver who is looking to insure a car that you are going to be the main driver of, please do make sure that you complete the application form for car insurance correctly and honestly. As you can see from the above, the implications of not doing so are severe.
If you do require a competitive car insurance quotation why not get in contact with us at your earliest convenience as we provide access to an extensive panel of reputable insurance companies. We look forward to hearing from you.
