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Worst car insurance mistakes. All about fronting
There are smart ways to save on your car insurance. Fronting isn’t one of them.
What is fronting?
Fronting is when a parent adds their son or daughter onto their Car insurance policy as a named driver – but it’s the child who drives the most.
Why do people do it?
Adding a child onto a Car insurance policy as an additional driver saves money in the short-term. So it’s tempting.
Why is fronting a problem?
If the child is the main driver, or the one who drives the most, and you declare them as an additional driver then you may not be covered under your insurance.
What can happen?
Fronting is a form of fraud and can lead to serious trouble. Fronting can:
1. Invalidate your policy
This means you’re no longer insured. If you come to make a claim and your insurer discovers you’ve given the wrong information intentionally when buying your policy, this can null and void your insurance cover. Your claims could be refused and you would be left to foot the bill.
2. Get you blacklisted
Some insurers may blacklist you, meaning you could find it impossible to get insurance in the future.
What’s the solution for young drivers and parents?
Statistics show that drivers aged between 18 and 25 are twice as likely to make an insurance claim as other drivers, and their claims costs may be three times higher. This explains the higher premiums for young drivers.
How can a young driver keep costs down?
One solution is for the young driver to go it alone and become the main driver. This may cost more initially, but it helps youngsters build up their own no-claims discount, which entitles them to lower premiums in the future.
You could also consider opting for a higher excess. If you take a higher excess this can reduce the cost of your Car insurance policy. Make sure you set a realistic excess payment.
Finally, find an insurer that offers good quality car insurance at affordable rates. Get a quick quote today and see how much you can save.
For more motoring warnings and tips, look out for regular posts in this series.