It has been revealed by a number of the top Uk car insurance companies that as of late, the number of motorists breaking the law by fronting on their motor insurance has risen quite dramatically in order to save themselves money.
‘Fronting’ is illegal and a classified fraud which occurs when a young driver has a car in their own name, but however has told the insurer a lie that a parent is the main driver.
So why do people Front?
In today’s climate as soon as you pass your test or if you are under the age of 21, it is more likely that you are going to be charged over one thousand pounds per year on your car insurance. The reason for this is commonly due to the fact that they have not built up any no-claims bonus, so they are seen as more of a danger than older more experienced drivers.
If a parent is put down as the main driver on your car insurance policy, it can reduce the price per year rapidly.
Consequences
If you have been involved in an accident and your car insurer believes you have been fronting or ‘playing the system’ it has the right to refuse paying any claim and will launch an investigation to find out who is the main driver. The young car owner can then be treated as driving without insurance, face a fine and also get up to 6 points on their driving licence.
There are other consequences that you could face such as: being charged the corrected premium as a lump sum, having your policy cancelled altogether which would be known for future policies and lastly any insurance in the future will be raised as many would refuse insuring you.
Car insurance for 17 year olds can be very expensive when you have just passed your driving test. Ways of making sure you get the best deal on the market which is best suited to you and the best priced is a known tool used today, where people Compare insurance. When doing this you can pick all the needs you require and it will give you a list of policies and Insurers with their price next to them. Many compare sites appreciate that most students are limited to funds whilst being in full time education, so therefore should have a section in their insurance page for student car insurance which would be recommended as you should be guaranteed to get a good deal.
