High Cost of Car Insurance Drives 35% of Parents to Commit Fraud

A recent study by Go.Compare Car Insurance reveals that 35% of parents of young drivers admit to "fronting" on car insurance policies—a form of fraud where a parent falsely declares themselves as the main driver to reduce costs. Fronting may seem like a practical way to save money, but it’s illegal and can lead to policy invalidation, fines, and even criminal charges. The survey also highlights how financial pressures push parents toward such risks, with 55% saying that the cost of insuring young drivers is a top concern.

The financial challenges young drivers face go beyond insurance premiums, as parents report worries about driving lesson expenses and car prices. The study found fronting rates are highest in the North West, Yorkshire and the Humber, and London, all areas where parents might feel greater pressure to reduce expenses associated with getting on the road. Tom Banks, a motoring expert at Go.Compare, warns against fronting, encouraging parents to explore legal ways to lower insurance costs.

To help parents manage expenses legally, Go.Compare recommends several strategies, including limiting policy add-ons, purchasing insurance ahead of renewal, shopping around for quotes, and considering how job titles may affect premiums. These tactics can help families save money while staying within legal bounds, avoiding the risks of fronting and protecting their coverage.