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Legal..
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Avoid Prosection..Avoid Insurance Refusal.. What is Car Insurance Fronting?
Car insurance fronting is probably best described as an experienced driver with sufficient no claims bonus who puts themselves on a policy as the main driver when they are not. This enables a new or young inexperienced driver to be a named driver on the same policy who actually in reality own the car and is the main driver. This drastically reduces the premium for the young or inexperienced driver saving them serious amounts of money on their car insurance. Fronting has been happening for many years now but many parents who front their childrens policies are unaware that it is now illegal to do this. This is due to the unrealistic amount of claims made by these younger drivers when the actual risk assessment and premium calculation was evaluated for the parent or more experienced main driver and can have major consequences in the future such as:
- Refusal of a claim
- 6 points on your license
- Charged with driving without insurance and face prosecution
- Possible refusal of future insurance policies
As you can see from the points above, fronting a car insurance policy is not a good idea and can cause long term financial and legal heartache.
Fronting has been such a popular way of reducing premiums because car insurance quotes for young and inexperienced drivers are now commonly between £1500 and £2500! By fronting, this figure can be reduced by so much that in some cases the saving would be enough to buy a new car!
A good and legal alternative to fronting a policy is to compare as many car insurance quotes as possible online. There are many car insurance comparison websites available online enabling you to get hundreds of quotes relatively quickly compared to the old method of phoning around.
Maybe look at cars in a lower insurance group ie less than group 6 which will bring down the price of the premium for the young driver. Below are examples of cars which could help save you money on your premiums.
- Hyundai Amica
- Hyundai i10
- Hyundai i20
- Hyundai i30
- Hyundai i30 Estate
- Hyundai i40
- Hyundai ix35
- Hyundai Santa Fe
- Hyundai Sonata
- Hyundai Veloster
Powerseeker can help you compare car insurance quotes from over 90 UK insurers in just a few minutes. This will enable you to pick out the cheapest car insurance quote for the younger drivers and the best equipped policy for the more experienced drivers who want a little more from their car insurance policy than just a cheap price.
View the UK Car Insurance Guide