Two separate studies show car insurance fronting is still a widespread practice, though it's disputable whether offenders know they are breaking the rules.
Fronting involves falsely claiming to be the main driver of a vehicle in order to lower premiums for the person then listed as an additional driver. It's most commonly associated with parents fronting for a child who would otherwise pay high premiums as a young and inexperienced driver.
The Motor Insurer's Bureau and Aviva found that 70% of those questioned did not understand the term. Of those who then said they had carried out fronting, just 20% said they had done so while knowing it was wrong.
Meanwhile Co-Operative insurance found 41% of parents are currently fronting for children, with 57% knowing it is illegal. Even after everyone questioned had been made aware of the law, 61% of current fronters said they would do it again.
While fronting may appear a smart way to save money, it can lead to policy cancellations, refused claims and even criminal prosecution.