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More than 40% of parents commit car insurance fraud

29th June 2010

Research has revealed that 41% of parents are claiming to be the main driver on a car insurance policy which is actually for one of their children.

This practice is fraud, known as motor insurance ‘fronting’.

It occurs when a higher risk driver, such as a younger driver, is added as a named driver to a car insurance policy, when they are in fact the main driver or owner of the vehicle. 

Consequences of fronting

If a driver is found to be fronting they may have all or part of their insurance claim refused by their insurer, their policy may be cancelled and they could face prosecution for fraud, which could lead to a criminal record. Additionally, they may find it difficult to get insurance again in the future.

The research by The Co-operative Insurance found that:

  • 41% of parents are fronting motor insurance for their children at the moment
  • 61% would front again in the future
  • 57% know that fronting is illegal
  • parents believe they can save more than £180 by fronting
  • 33% of parents know, on average, two other people who have fronted.

Read more about car insurance fraud on The Co-operative’s website.

Please note: Action Fraud is not responsible for the content on external websites.

To report a fraud, call Action Fraud on 0300 123 2040 or use our online fraud reporting tool.