One in five drivers have or would consider fronting on their motor insurance policy to save money. This practice is mostly done by parents insuring their child’s car in their name (and the child as the second) when in fact the child is the main driver.
Steve Sweeney, head of motor insurance at moneysupermarket.com said: "Fronting is illegal and will be classified as fraud by an insurer. Those considering lying to their insurer to save money are playing a very risky game. A motorist claiming to be the main driver - when this isn't the case - is a dangerous move. “
“It may save you some money but if caught, your insurance will be invalidated and a younger driver could face court, charged with driving without insurance. It's staggering to see the lack of awareness around the practice of fronting - how worrying that such a large percentage of motorists think it is either legal to do so or don't even know," Sweeney continued.
The report also showed that 31 per cent of motorists believe fronting is legal, while 34 per cent acknowledging it was against the law and 35 per cent admitting they didn't know. Many motorists are willing to take their chances and risk being caught, since the costs for younger drivers are significantly higher than for older ones.
The website also compared two situations, that of a 18-year-old student driving a Ford Fiesta Flight 1.3, which would have to pay £2,689.05, while a 45-year-old man with a five-year no-claims discount insuring himself on the same car would have to pay only £145.95.
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