Is fronting an option for my daughter to go to college?

QI want to add my 21 year old daughter to my car insurance. She starts college in September and I want her to be able to drive there if she ever needs it as I don’t use the car every day myself. Someone recently approached me about “fronting” and now I’m not sure if it’s ok if she uses it regularly or not. How does it work?

A Fronting occurs when a vehicle is insured on behalf of a parent or other person, but the insured vehicle is primarily used by a significantly younger person on the policy. According to Jonathan Hehir, Managing Director of, insurers need to verify who the main driver of an insured vehicle actually is, particularly where there is a named driver under the age of 25 on the policy. This allows them to accurately assess and identify the right level of risk. If a young named driver primarily uses the car, the risk factor increases proportionately, he said. This means you have to consider how much use of the car they will have and what they will use it for. For example, if your daughter used your car for school every day and you only drove it on weekends, then your daughter would be considered the primary user of the car. In the event of an accident or a claim on your policy, and if evidence of fronting was identified, your policy would likely be canceled and any claim denied, Mr Hehir said. He advised you to contact your insurer if you have any questions about your coverage. Is fronting an option for my daughter to go to college?

Fry Electronics Team

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