InsuranceCentreOnline.com Blog

London, UK (PRWeb UK) October 17, 2009

Post Office Car Insurance today warns of the growing number of drivers being ‘fronted’ on their car insurance. Fronting is a term used to describe the dangerous trend of drivers who don’t have their own car insurance cover. Instead, these drivers are being named as a secondary driver on a parent’s or partner’s car insurance.

Recent research figures have shown that a worrying one in ten people are being fronted on car insurance policies . Usually, however, the secondary driver being fronted is in fact the main driver – and owner – of the car.

Post Office Car Insurance cites motor insurance research that shows this is particularly common in young drivers. Six per cent of UK drivers who do not have a car insurance policy in their own name are under the age of 25 . The number of young drivers being fronted highlights the problem faced by adolescents when buying car insurance. With young drivers most at risk of being involved in an accident , they face higher insurance premiums and may endeavour to find a cheaper way of obtaining car insurance, such as being fronted on another driver’s policy.

Fronting is a risky trend for the policy holder as well as the named driver. It is illegal in the UK and many car insurance providers consider the practice to be fraud, which will invalidate any car insurance cover in the case of an accident.

Additionally, only being a named driver on a car insurance policy often prevents an individual from being able to build up a no claims bonus. Post Office Car Insurance recommends that building up a no claims bonus as a policy holder is particularly useful for young drivers, as it can potentially reduce future costs of their car insurance policy.

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