Chris Thompson   Chris Thompson on the internet

Increasingly, newspapers and online news publications are reporting that a growing number of parents are breaking the law in a bid to help their children get cheaper car insurance.

Apparently as much as 41% of parents deliberately lie when filling out policy applications.

Essentially, when they ring up or fill in forms for car insurance, they claim to be the main drivers on the policy, when in fact it is one of their children who is the main driver, or owner of the car. – a practice known as “fronting” – which usually offers large savings, but could also lead to prosecution.

According to numerous sources, Co-operative Insurance found that almost half of the nation’s parents were actually fronting policies, while 61% admitted that they would do so in the future.

The industry is warning that it is an extremely risky practice – indeed, there is a number of law society websites and these sorts of legal services that have to deal with this so called “fronting”, as well as a growing number of car insurance fraudsters.

Tim Franklin, of Co-operative Financial Services, said: “The view that motor insurance fronting is harmless and does not hurt anyone could not be further from the truth.”

He added: “Parents who believe they are helping their children to save money by fronting are not only risking prosecution, but harming their chances of obtaining insurance in the future.”

But the real scam, I think, is the insurance companies themselves.

They charge extortionate rates to these young kids passing their tests. How are they supposed to stump up thousands of pounds, when they are 17 years old, and have just shelled out all their money on a car?

Never mind growing accident claims for compensation or the plethora of claims for whiplash injury compensation – the real problem is the fact that these people charge way too much money. It’s no wonder parents are resorting to “fronting” to help save money.

The issue seems to be being tackled in precisely the wrong way. Cut down the costs, and there will be no fronting to worry about.