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1 in 10 parents admits to 'fronting' insurance fraud

1 in 10 parents admits to 'fronting' insurance fraud

Published at 7:50am 29th September 2015. (Updated at 1:40pm 30th September 2015)

It's a common type of motor insurance fraud and more parents in Yorkshire admit to doing it than almost anywhere else in the country.

A new study has found that around 1 in 10 mums and dads has 'fronted' their children's policies at some point in the past.

'Fronting' is a type of insurance fraud whereby parents say that they are the main driver of a car when, in reality, most or all of the driving is done by their child.

In a new league table, produced by The Co-operative Insurance, Yorkshire came second only to the North East for regions where parents are currently fronting.

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. When it comes to provisional drivers, what seems to be a harmless act could even lead to a loss of licence.

"Insurers such as ourselves are increasingly pricing car insurance based on the riskiest drivers, rather than who is presented as the main driver in an effort to combat the impact of fronting."

1 in 10 parents of young drivers in the UK, aged 17 to 25, admitted to 'fronting' their son's and daughter's motor insurance policy at some point, for an average time of two years.

Of those who have admitted to doing it, over a third of parents are currently 'fronting' their child’s motor insurance.

The findings also reveal that parents are willing to 'front', despite the fact that the majority are aware that it's illegal.

94% of parents believe they would be covered if they had to claim on their motor insurance.