MIB warns parents against 'fronting'

The MIB (Motor Insurers’ Bureau) has sent out a stern warning to parents who are illegally ‘fronting’ their children’s vehicles, warning them that they are committing insurance fraud and the penalties could be severe.

According to research carried out by the MIB and Aviva, 41% of parents are currently fronting car insurance policies for their children even though they are aware that it is illegal.

The practice of fronting involves the parent of a young driver adding themselves to the insurance policy as the main driver of the vehicle in question. This means that the insurance company thinks that the main driver is older and more experienced, and the premium is reduced as a result.

However, the vehicle is actually being driven by an inexperienced driver, and may not even be kept at the address specified.

It seems that the attraction of a lower premium for young drivers is just too hard to resist, especially at the moment when premiums are continuing to rise and young drivers are forced to pay more than anyone else. But despite how unfair this situation might seem, it is a reality that must be dealt with.

The consequences of committing this kind of car insurance fraud can be serious. Not only is there a risk of prosecution, but if the child has an accident then they could find themselves uninsured should they make a claim.

The survey also revealed that up to 70% of people polled are unaware of what fronting is. The MIB wants more people to become aware of the illegal practice to prevent them committing fraud and having to face the consequences.

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