Fronting: you may have heard this term before when reading the news, hearing about various stories from your elders, or waiting in line to make a claim at your local insurance company’s office. However, what is it exactly?

If you’ve been meaning to educate yourself on the topic of car insurance fronting but have yet to know all the details, here’s a quick guide on what you need to know about the topic: 

Fronting defined 

Car insurance fronting is something that happens when a more experienced driver—such as a parent, relative, or someone older—takes out a car insurance policy on behalf of a less-experienced driver. 

What some people do is that they take out a policy in one’s name and falsely claiming that they’ll use it when the end-user is actually a less-experienced driver. What makes this practice wrong is because prices are based on the experience. By falsely claiming that they are the main user, the inexperienced driver instead pays a cheaper insurance premium when they’re supposed to pay much more because they bear a higher risk. 

Is it illegal?

To put it simply: yes, fronting will always be considered illegal by law because it is fraudulent in nature since a person lies to an insurance provider on a legal form to obtain a cheaper payment. 

Because the prices of premiums greatly revolve around the determination of various risk factors, false information must be given to attain a lower amount. Although it may seem like a minor indiscretion at first, this practice can eventually result in the greater risk of eventually getting a criminal record for fraud.

Regardless of whether it’s done for someone who faced higher prices after racking a dozen or more points on their license or a child who is new to being behind the wheel, this practice is illegal and will be dealt with accordingly. 

What happens if you front your car insurance?

Other than being morally wrong, there are a few other reasons you should avoid the possibility of fronting your car insurance as much as possible — all of which ends in steep fines and heavy penalties. Here are a few more severe complications that come with car insurance fronting: 

1. You will end up in court

When a car insurance provider determines that you’ve committed the act of fronting, your case will be brought to court because of its criminal nature. Know that English courts, in particular, leverage severe fines and penalties for cases of fraud. 

2. You will have a criminal record

Once the judge has determined that you are indeed guilty of such an offence, they will eventually prosecute you for it, write up an entry in your criminal record, and charge you a rather large sum. Generally speaking, the fines for car insurance fronting can range anywhere between £5,000 and £7,000 on average. 

3. You will be awarded a huge sum of penalty points

Another outcome of this despicable act is that you’ll be handed up to a maximum of six penalty points that will eventually bump up your car insurance price in the future once you decide to take the lawful route. If you’ve been driving for less than two years, however, then the necessary measures will be taken to hand you an instant ban from driving.


Although it may seem like a simple indiscretion at first, car insurance fronting can result in plenty of fines, penalties, and regrets that you would definitely not want to incur for a small bargain.

If you’re looking for a car excess insurance in the UK, get in touch with us today to see our wide range of comprehensive and affordable packages!