Insurance Fronting?

Question

I'm aware is an offence, but I was wondering how would the insurance company become aware of this? They ain't going to keep watch of whose driving the car are they?? Sounds like big brother if they do!

Hi.

I dont think you understood me what I meant was if I'm insured second driver, but I drive the 90%, how will they find out that is the case?

Answer 1

they probably don't, but if anyone other then the insured is driving the car, when it is "pulled over" or is involved in an accident, you and they will be in deep sh.t

Answer 2

I do believe that they would spot tell-tale signs like:

2+ cars in the family
Oldish second car purchased.
Young Driver on second car only
Car purchased at about the same time young driver passed test.
Have a look at the log-book

Then they would send some people round asking VERY searching questions - or even just ask the neighbours who drives the car a lot.

It is also amazing how the details provided after an accident vary considerably from the time of application - as the policyholder will forget but the companies have records.


There is nothing wrong in the parent buying a car and insuring it - as long as they declare who the main driver is - and paying the appopriate premium.

Answer 3

Fronting mis-represents the risk on the policy. It is tantamount to insurance fraud. Additionally, if the young driver ever needs to make a claim and is not specified as the main risk on the insurance policy, then the claim is liable for rejection by the insurance company. They're pretty good at making some searching enquiries, don't believe they've never been there before. They have whole departments of investigators very used to this.

Answer 4

If the second named driver is involved in an accident, they will make enquiries, and may refuse to pay out on any claim made.