What is insurance fronting?

A common example is a parent insuring a child's car in the parent's name and describing the child as only a named driver when the child actually uses it as their main vehicle.

This can cause serious problems when a claim is investigated, including policy cancellation or refusal depending on the circumstances.

The lawful alternative is simple: give the insurer accurate information about the registered keeper, owner, main driver and vehicle use, then compare legitimate quotes.

Fronting is not the same as legitimately adding an experienced person as a named driver. The problem is deliberately misrepresenting the real main user to obtain a lower premium.

Check the current source for 'What is insurance fronting?' before acting if the relevant rule, policy, fee or eligibility has recently changed. Keep any official confirmation or reference number produced by the process because it can help resolve a later query. This note is specific to answer 454.