I can only leave you with a couple of quotes that sum it up:
http://www.insurancedaily.co.uk/2010...y-on-fronting/
Quote:
Large numbers of motorists could be deceiving their car insurers by naming themselves as the main driver of a vehicle when they are not.
An example of this would be a parent insuring a car and declaring themselves the main driver in order to reduce the premium, when in fact their son or daughter will be the main user of the vehicle.
The practice is known as “fronting” and according to research from Aviva and the Motor Insurers’ Bureau (MIB), 70% of UK drivers do not understand what it means to “front” a policy.
Of those who do understand, one in five surveyed admitted to misleading their insurer and committing this type of insurance fraud.
The study also reveals “a disconnect between drivers’ perceptions of fronting as a ‘white lie’ versus the reality of it as a legal offence”.
When questioned, 35% of drivers defined “fronting” as being a loophole in the law; 10% believed it was a legitimate way of obtaining cheaper motor insurance and only 30% were able to correctly define the term.
However, when presented with an accurate definition, 94% deemed fronting an insurance policy to be socially unacceptable.
The MIB warns that where it is proven that a policy has been “fronted”, insurance companies can refuse to pay out and may look to recover third-party claim costs from the policyholder or driver.
Aviva’s motoring strategist, Nigel Bartram, comments: “Well meaning parents may consider fronting an insurance policy to try and save money, but this is false economy as those that try to cheat the system by declaring false information will find that their insurance is invalid when they actually need to make a claim on their policy.”
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And:
http://www.noclaimsdiscount.co.uk/ne...show=200804031
Quote:
The problem is that most people don't think they will ever be caught as proving that the parents are not the main driver is problematic. Parents should be aware though, that it is not impossible to prove fronting and the penalties for such can be incredibly high. Those who front someone else's policy can actually have up to six points put on their own licence. The increasing levels of CCTV footage available will often betray the dishonesty of fronting. If you're car is parked outside your child's University 200 miles away from you for 4-8 months of the year, proving the policy has been fronted is not difficult.
The problem is a vicious circle with most insurers increasing the premiums across the board for parents who add children as additional drivers "just in case" which will penalise even the honest policyholders. As with the rest of insurance it is the honest people who seem to be paying the price for the dishonest amongst us.
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Regardless of your opinion, the law is clear. Fronting is illegal. If caught, both the front-er and front-ee are in serious trouble. If you feel thats worth the risk, thats your call.
But please - on a final note, stay away from me when I'm driving please, as I don't much want to be hit by an uninsured driver...
http://news.bbc.co.uk/1/hi/programme...ox/7052569.stm