Paul

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What exactly is insurance fronting?

Is it still called fronting when a person who has had at least 2 major claims in the past 4 years and does not declare to the insurance company when they are a named driver? What I mean is the named driver has obtained insurance via someone else and had themselves put down as a named driver in order to avoid the high cost of having insurance in their own name.
Paul   (Level 1)  |   Car Insurance  |   27 Jun 2009 08:00
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gices gices  (Level 2)  |   15 Jul 2009 15:48

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Paul,

When an older person registers himself as the main driver on a policy and uses his no claims discount to bring down the premiums alongside a new driver, then it is called car insurance fronting if the new driver uses the car more often than the main driver. The whole point of being the policyholder is that you will use the car regularly and any named drivers will use the car occasionally. Fronting usually happens with young new drivers to bring insurance quotes down.

In your case, I don't think fronting is going to be an issue but just keep in mind that you shouldn't be using more often than the main driver (as in taking the car to work) otherwise the insurance company might invalidate your claim on grounds that you should have been listed as the policyholder.
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