Fronting Car Insurance Illegal

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Research from The Co-operative Insurance shows that 10% of parents of 17-25 year-olds admitted to fronting, even though most know that it’s illegal.

Around 81% of respondents knew that fronting was illegal, but were still prepared to do it. Despite this, 94% of parents believe they would be covered if they had to claim on their car insurance. More parents of children aged 17-19 are fronting than any other, followed by 20-22 year olds and 23-25 year olds.

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Often, the fronting insurer is licensed to do business in a country where the risk is located, but the reinsurer is not. The reinsurer in this scenario is often a captive or an.

Insurance fronting occurs when an older, more experienced and lower risk motorist is insured as the ‘main driver’ of a vehicle.

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"Insurance premiums for new, inexperienced drivers can seem high and people are often surprised at how much they are compared to the value of the car they’re insuring," said’st Oliver.

Daughters boyfriend (hopefully soon to be ‘ex’) fronted his car insurance in her name to lower his premium. She didn’t even know she was a named driver on the policy. He missed enough payments to have the policy cancelled. He was stopped with no insurance, and this is when it all came to light.

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Wise Owl Series (Eps 2) - Fronting: What is it & how will it affect my insurance?Our Car Insurance Calculator explains how insurers decide what your cover should cost you, and breaks down the ways that factors such as age or location.

Insurance fronting occurs when an older, more experienced and lower risk motorist is insured as the ‘main driver’ of a vehicle.

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