Car Insurance Fraud – Are you committing a crime?


Are you claiming to be the main driver of a vehicle to lower the car insurance premiums? Often, well-meaning mums and dads claim to be the main driver of a vehicle to lower car insurance costs when in fact it’s a son or daughter at the wheel.

This is a practice called ‘fronting’ and the Motor Insurers’ Bureau (MIB) is warning parents that this is illegal as it’s counted as car insurance fraud. Up to 70% of people aren’t aware of the term ‘fronting’ yet many do it as young people’s car insurance policies can be prohibitively high, as they are deemed more likely to be involved in a car accident.

Parents of young drivers whose car insurance premiums may cost thousands of pounds often ‘front’ the policy because the older driver is deemed a safer driver by the car insurance policy companies – and therefore the car insurance costs come down.

But, tempting as it is, it’s actually illegal to do this. If involved in a car accident, the driver of the car would be considered uninsured, liable for third party costs and could even be prosecuted. This could leave you facing huge costs and your son or daughter could gain a criminal record if they are involved in a car accident.

The MIB is running a Stay Insured campaign not just for people ‘fronting’ for others but also for people who might forego car insurance during the current tough economic times. If you’re worried about fronting a car insurance policy for your child, there are options such as getting your child to take a Pass Plus course and taking a look at the Which? website which can help you to find a competitive car insurance policy, whatever the age of the driver.

The main message from us is to think ahead – if you’re fronting your child’s car insurance policy and they are involved in a car accident of any kind, it could end up costing you much more than you saved by fronting the policy in the first place. Car insurance fronting is illegal so here at Simpson Millar we urge you to look into other car insurance options and not leave yourself – or your child - open to legal action.

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