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Thousands of parents breaking the law by ‘fronting’ motor policies

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Thousands of parents have committed insurance fraud by falsely claiming to be the named driver on their child’s motor policy.

A new study by The Co-operative Insurance reveals that one in ten parents of drivers aged 17-25 have admitted to the practice known as ‘fronting’, when parents take out a policy and say that they are the main driver of a car when, in reality, most or all of the driving is done by their child.

Over a third – 99,000 – of parents are currently fronting their child’s motor insurance.

The implications of fronting can be serious and in some cases it could make it extremely difficult for drivers to obtain insurance later if they are found to have fronted.

The study revealed that parents are willing to ‘front’, despite the fact that the majority (81%) are aware that it is illegal.

Steve Kerrigan, head of telematics at The Co-operative Insurance, said: “These findings show that fronting continues to be an issue for both consumers and the insurance industry.

“Whilst many parents think that they are doing their children a favour by fronting insurance for them, in reality the consequences of doing this could be serious and costly if, for example, they need to make a claim.”

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