Is it illegal to put someone else as main driver?

Yes, fronting is illegal and it's a form of car insurance fraud. To be clear, any way that you might lie to get cheaper car insurance could land you in trouble. If someone is caught and prosecuted with fraud they could end up with a criminal record.

Can you put someone else as the main driver?

Fronting is a crime and punishable as such. There are both immediate and long-term consequences to giving false information to an insurance provider: The insurance provider could refuse to pay for any damage to a car if the main driver isn't correctly stated.

Does it matter who is main driver on car insurance?

As a named driver you will be given the same level of cover as the vehicle's main driver. Named driver policies are only appropriate if the named driver is not the main driver (main user) or the owner of the vehicle. Named drivers should be careful to avoid 'fronting', a form of insurance fraud.

Can you get caught for fronting?

So it's understandable that a parent or carer might want to help ease the financial burden and insure a car in their own name, even if they're not the main driver. But this is known as car insurance fronting, a type of fraud. It's illegal and could land you with a criminal record.

Can I be the main driver on my daughter's car?

Naming yourself as the main driver on your teen's car insurance could get you into trouble. Getting car insurance for your teen is expensive, which is why it's tempting to save money by taking out the policy in your name. But it's known as 'fronting' and has serious consequences if you're found out.

Who Needs To Be Added As A Driver On My Car Insurance?

Can I be main driver if not registered keeper?

The main driver has to drive the car more often than the named driver. If they don't, it counts as a type of fraud called "fronting" (and here's our guide on insurance fraud). But the main driver doesn't necessarily have to be the owner or the registered keeper.

Is it illegal to be the main driver on 2 cars?

Can I be the main driver on 2 cars? You can be the main driver on 2 cars, but only if you're actually the main driver. If not, and someone else is, this is fronting. If you have driving other cars (DOC) on your car insurance policy, this could let you drive another car with third-party cover.

How do they prove fronting?

Insurance companies use a range of different techniques to try and detect car insurance fronting. Motor insurance databases usually come in handy in situations like this, but the most effective way insurers catch out people fronting is when a claim is made. Find out more about car insurance here.

Is fronting hard to prove?

It might seem that car insurance fronting is unlikely to be detected - virtually impossible to detect, even. Surely, no insurer has the time (or inclination) to check the main driver on every policy. This might be true, however cases often get discovered as and when a claim is made.

What is the punishment for fronting?

If a driver is found to be fronting they may have all or part of their insurance claim refused by their insurer, their policy may be cancelled and they could face prosecution for fraud, which can lead to a criminal record. Additionally, they may find it difficult to get insurance again in the future.

Does the owner have to be the main driver?

It depends. Some insurance providers will only insure you as the main driver if you're the car's owner or registered keeper. Usually, the main driver is the registered keeper anyway. However, you don't have to be the registered owner of a vehicle to insure it.

Does a named driver have to live at the same address?

The answer here is no, it's perfectly possible to add a named driver who lives at a different address to you.

Who is the legal owner of a car?

The owner is the person who bought the car or the person who has been gifted the vehicle. The registered keeper is the main user of the car. A company car is a common example of when a registered keeper and owner are different.

What is the difference between a named driver and a main driver?

For example, if you're a young person, you can add more experienced drivers, such as your mum and dad, to your policy as named drivers. The main driver is the person who drives the car the most. It cannot be the same individual as the named driver, but doesn't have to be the policy holder.

Who is affected if main driver has an accident?

While named driver insurance can have benefits for both parties, the policyholder is more at risk. This is because is the named driver on your policy crashes the car, it will be under your name. So, if you have built up a no claims history of five years, and your named driver crashes, you will lose it if you claim.

What are the benefits of fronting?

The insurance itself company does not pay any of the claims a client makes. Fronting policies allow insurance companies to dabble in new areas of business, without taking in the typical risks of doing so.

Do insurance companies check named drivers?

When you add a named driver to your policy, the insurance company will typically check their driving history. This includes any motoring convictions they may have, as well as their driving record and claims history.

What is insurance fronting risks?

Fronting is most typically understood as when a ceding company (insurer) underwrites a policy and transfers the entire risk to a reinsurer. The company that underwrites the initial policy is the fronting company and receives a portion of the premium, despite ceding the entirety of the risk to the reinsurer.

What happens if you crash as a named driver?

If a named driver has an accident, the main driver or policyholder will need to make a claim on the policy and this will affect their no claims discount. If a named driver on your policy has an accident the claim will be against your policy even if you are nowhere near the car or accident itself.

Does being a named driver affect my own insurance?

Does being a named driver affect my own insurance? Being a named driver shouldn't impact your own policy. If you're involved in an accident that was your fault, you usually claim on the policyholder's policy. They might see their insurance costs rise as their no-claims bonus could be hit.

Can you legally overtake 2 cars at once?

It isn't illegal to overtake any number of cars but the practicalities of dealing with roads with bends that limit visibility, the amount of traffic approaching, the gap between vehicles and the way most cars are capable of cruising at the speed limit means that to get past even two cars in one move will have you ...

Is it illegal to register a car at a different address UK?

A person who knowingly gives false or misleading declarations and information is guilty of an offence. If an individual is having problems with vehicle documentation being sent to their address in error, DVLA will make a note of this and take steps to carry out investigations.

Will DVLA tell me who owns a car?

Finding the name and address of the owner of a vehicle

If you're looking to find personal information about the owner of a vehicle, you'll need to contact the DVLA directly. You can fill out a V888 form to request this information.

Can a car have two owners UK?

A joint ownership agreement is a legal document that is used to formalize the ownership of a car by two or more people. This type of agreement can be useful in a number of situations, such as when two friends or family members decide to buy a car together, or when a company owns a fleet of cars.

What proves legal ownership of a car?

To prove you're the owner of the car you'll need to be able to show an invoice or receipt from when you bought it – or were gifted it.