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How do car insurance companies prove fronting?

If you have a named driver on your policy, then you have probably heard of the term fronting. Fronting refers to when the named driver - who should be using your vehicle less than you - actually uses it as much or more.

As the calculations for premiums are based on the assumption that the secondary driver doesn’t use it as much, the practice is strictly forbidden. But, how do car insurance companies find out?

Generally, fronting is uncovered when you make a claim. If the named driver was responsible or even just behind the wheel during the collision, your provider could launch an investigation.

Once this happens, there are a few different tactics providers use to get the truth out. These include interviewing both the main and named drivers, consulting motoring databases and even taking a look at CCTV. Most providers will have people trained to uncover this type of behaviour, so if it’s happening, they are likely to find out.

If fronting is discovered, then there are a few things that could happen. These range from the very inconvenient, to the potentially disastrous. One thing that is for certain is that you will have your policy revoked, and any claims denied. You may also find yourself with six points on your licence or even face criminal proceedings.

Needless to say, we strongly advise against fronting. If you’re in a situation where a named driver might end up using the car as much as you, get in touch with your insurance provider to explore your options. If they can’t help, you might be able to take out a second policy. It will probably cost more, but it’s a much better idea in the long run.

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