Mr. Paul Carty:

Again, the problem is that the main driver of the car is the person who uses it most, who will drive the most miles, who will drive at night time and so on. A named driver only drives it on an intermittent basis. Fronting is where the insurer considers the driver to be the parent when, in reality, the main driver on the car, though only named on the insurance policy, is the son or daughter. It is a very serious issue and is becoming far more prevalent. Again, given the fact my own son has reached that age, I have seen this situation arise with a lot of his friends, in that the son or daughter is the named driver on the car insurance, but it is his or her car and he or she is the one driving it most frequently.