Fronting

People adopt it to reduce the coverage premium, but it is an illegal practice and can land you in trouble. It happens when the insurance policy is in the name of a person who may, in reality, never drive the car or use it seldom. But people use it to reduce costs of getting the policy for a young driver or someone who has recently passed the test. 

It is an inappropriate method of getting a cover and may lead to criminal charges against the car owner. Moreover, it can invalidate the plan and cause a huge loss of property at the time of a disaster. 

How Is the Main Driver Determined?

The main driver is the person who drives the most mileage or the one who normally uses it to travel or keeps the car outside their residence.

How Does It Happen?

It can be applied if a youngster often drives the parent's car to the college or a shopping centre. The average protection cost for a 17-year-old is considerably higher, and the cost decreases as one grow older and become more experienced. 

So inexperienced drivers pay the highest cost, and parents and grandparents can lessen the price by becoming the main driver.  But if someone is found fronting, they may find it difficult to get insurance.  

Firms use many different techniques to prove the charges of fronting, and they may try to detect the fraud even at the time of providing the claim. However, if anyone is found liable, they will not get the claim, and it can even lead the person to court. 

How To Reduce Insurance Costs?

• One can use other methods to lower the costs, like making accurate mileage predictions and changing the driving style where the annual mileage is low. 

• In addition, one can adopt customized policies and improve the vehicle's security by installing various devices to lower the premium. 

• If you suspect any such fraud has been committed, you can report it to the authorities.