Parents risk criminal records to save cash on car insurance

As the world continues to emerge from the COVID-19 pandemic, many young drivers are eager to get back on the road. However, the high cost of car insurance for young drivers is making it difficult for them to afford coverage. As a result, an increasing number of parents are turning to a practice known as “fronting” in order to help their children get on the road.

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What is fronting

Fronting is the practice of listing a more experienced driver, usually a parent, as the main driver of a car, when the primary driver is actually the young driver. This is done in order to lower the cost of insurance for the young driver. While fronting may seem like a harmless way to save money, it is actually illegal and can result in serious consequences.

According to a recent study, the number of parents fronting children’s policies has soared in the past year. The study found that one in five young drivers are now using fronting to lower the cost of insurance. This is a significant increase from previous years, and experts believe that the trend will continue as more and more young drivers are looking to get back on the road post-pandemic.

The illegal and risky practice of fronting is now more common among parents

Fronting is not only illegal, but it also puts young drivers and other drivers on the road at risk. If the young driver is involved in an accident and it is found that they were the primary driver, the insurance policy will be void and the parents will be liable for any damages or injuries caused. Additionally, fronting can result in criminal charges and a criminal record for the parent.

Furthermore, it can cause a huge financial burden for the parents if an accident happens, their insurance company will not cover any of the damages and they will be held liable for all the costs.

Be honest with insurance companies about who will be driving the car

To avoid the risks associated with fronting, parents should be honest with their insurance companies about who will be driving the car. They should also make sure that their children have a valid driver’s license and have completed a driver’s education course. Additionally, parents can help their children find ways to lower the cost of insurance, such as by looking for discounts for good grades or safe driving.

Importance of finding legal and affordable insurance for young drivers

Look for insurance companies that offer specialised policies for young drivers, which are often more affordable than traditional policies. Some insurance companies provide telematics devices (black boxes) that can help to monitor the driving habits of young drivers, which can help to reduce the cost of insurance.

Conclusion

Many young drivers are eager to get back on the road. However, the high cost of car insurance for young drivers is making it difficult for them to afford coverage. As a result, an increasing number of parents are turning to the illegal practice of fronting in order to help their children get on the road. Parents should be aware of the risks associated with fronting, and take steps to find legal and affordable alternatives to help their children get on the road post-pandemic.