The short answer
Fronting — declaring an experienced driver as main driver when a young driver actually uses the car most — is fraud under the Fraud Act 2006 and CIDRA 2012. Insurer voids the policy from inception, refuses any claim, refers to the Insurance Fraud Bureau, and the breach stays on CUE for 5+ years.
Frequently asked
- Can a parent be a named driver?
- Yes — as a genuine occasional driver. Misdeclaring main usage is the offence.
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