Young drivers: What is fronting?

In the latest in a series of blog posts aimed at helping and informing young drivers, we look at the thorny issue of fronting. You may have heard the term in the news, but what does it actually mean?

What is fronting?

Fronting is a forbidden car insurance practice whereby an older or experienced driver says that they're the main user of a vehicle driven by a younger or other high-risk motorist. A typical example would be a parent claiming to be the main driver of their child’s car.

Why might someone do this?

It’s no secret that car insurance can be a huge financial burden for young or inexperienced drivers. On the other hand, premiums for named drivers are significantly cheaper. Putting an older driver down as the main user of a vehicle can greatly decrease the cost of a young person’s insurance.

Is it a good idea?

Absolutely not. As we mentioned earlier, fronting is forbidden. If you front and end up having to make a claim, the insurance company may uncover the scheme and refuse to pay out.

Fronting also prevents the named (young) driver from building up a no claims bonus, which can only be earned when you’re the main proposer. You may earn named driving experience for each year you remain claims-free on another person’s policy but the discounts given aren’t as good as those for a no claims bonus.

Is there another way of lowering your premium?

Unfortunately the fact remains that younger, less experienced drivers are going to pay more for their car insurance than people who have been on the road for a while. Certain measures such as taking extra driving lessons, choosing a modest car and getting your full licence can help lower your premium, but fronting isn’t the answer. Taking the hit on a high premium now will benefit you in the long run in the form of a healthy no claims discount.

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All the best,

The Team at GMIB.ie