Car insurance providers have hit out at young drivers who are on the vehicle's policy as only a named driver but in fact are the main driver. The method of insuring a young person on a vehicle in such a way is called fronting. This is illegal and any claims you wish to make in the event of an accident will become void.
An expert has said that "Not only can it lead to a claim being refused but also both the young person and their parents can be charged with insurance fraud."
Thousands of fronting cases take place all over the UK with the majority of people not actually knowing it is illegal. People are not willing to pay the high premiums that young drivers are faced with and see this as a loophole in the system. A young driver can expect to pay in the regions of £1,500 onwards for their first insurance policy so it is no surprise that this process is so popular, fronting could enable them to pay 10% of their original quote.
With the new term starting, and thousands of students off to university on low budgets, fronting is at its highest towards the end of the year. Parents will be down as the main driver but in fact their children will be the person using it every day, it is a dangerous game if they were to have an accident as claims will instantly be rejected.
Insurance companies are picking up on fronting more and more, details of where the accident happened are taken down and if it is near where the student is studying then it may result in a claim being rejected.
Cheap car insurance may be located if you compare car insurance quotes from numerous providers, after a thorough search you will find the best car insurance deal for you. |
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