170% rise in parents fronting kids car insurance following influx of passed tests - but they don't realise it's fraud

    • As a surge of new drivers hit the roads, motor insurer LV= has seen a staggering 170% rise in insurance fraud known as ‘fronting’, as unaware parents declare themselves as the main driver on a policy to lower their child’s premium.
    • New data reveals nine in ten (90%) aren’t familiar with this type of insurance fraud.

    To give their children a helping hand, more and more parents across the UK are naming themselves as the main driver on their child’s motor policy to bring down the premium, according to LV= General Insurance (LV= GI). The insurer has seen a staggering 170%1 rise in this type of activity in just the last few months, however the act know as ‘fronting’ is in fact illegal.

    Demand for driving tests is at an all-time high, and with learners passing their tests and eager to get on the road, accommodating parents are helping them do just that. But, new research2 reveals nine in ten (90%) aren’t familiar with ‘fronting’ as a type of insurance fraud, leaving many parents completely unaware that their thoughtful act could have serious consequences.

    Getting on the road for the first time can typically be more expensive, as newly passed drivers are more likely to end up in an accident than experienced motorists. The car itself is more likely to have major damage than a bump or scratch, and serious accidents can lead to expensive claims for personal injury compensation.

    However, with 33%2 admitting they don’t keep up to date and stay aware of insurance fraud, parents could face void and cancelled car insurance. If the car is involved in an accident, they could also be liable for the damages and injuries caused in the accident and in some cases, severe consequences can include a substantial fine, points on their licence and even a criminal record.

    Matt Crabtree, Head of Fraud Strategy at LV= General Insurance comments, “Parents will always want to do what they can for their kids, but fronting can have serious consequences and I would encourage anyone who may have declared themselves as a main driver when they aren’t, or provided details that aren’t true, to update their policy before it’s identified.

    “There are other ways that the cost of insurance can be kept down and we’d encourage new drivers and parents to understand what these options are.”

    Top things to consider as a new driver:

    • Limit performance-based modifications on your car which can increase the premium
    • Build up your no-claims bonus to show you’re a cautious driver
    • Take an advanced driving course such as Pass Plus which can help reduce your premium
    • Consider how many miles a year the car will cover and ensure your policy reflects this so you’re not paying for miles you’re not driving
    • Consider options such as a telematics or monthly subscription-based policy such as Flow

Press Contacts List

Natasha Gibbs
Senior Press Officer, General Insurance
07443 237651


1 Number of policies identified between March and May 2022.

2 Research conducted by YouGov on behalf of LV= GI between 19th and 25th August 2021 surveying a nationally representative sample of 2011 UK adults.