Car Insurance News from Be Wiser

Is it legal to insure my son on my car insurance?

It is legal to do this, but you have to be careful. Getting sons and daughters covered on a parent's car insurance is something that can be really useful for saving money while learning to drive or sharing a motor.

However, insurance companies have wised up to the fact that some people do this dishonestly in order to cut costs.

'Fronting' is when a younger driver has a car in their own name, but the parent is named as the main driver on the policy.

This usually means that premiums are cut significantly, because the parent is likely to have years of experience and no-claims.

But if a provider thinks this is the case when evaluating claims, they can reject it.

Worse still, the younger motorist can receive six points on their licence and a fine.

The Financial Ombudsman Service told the BBC it deals with up to 200 fronting instances each year, but the actual figure is probably higher because insurance companies will face these type of claim as well.

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