Thousands of people driving cars in UK may be indulging unwittingly in car insurance fraud. This has been revealed by Motor Insurers' Bureau (MIB) in a report and it is mainly aimed at warning patients. Almost 70% of the people do not understand what it means to 'front' an insurance policy according to a joint research from the MIB and insurance giant Aviva.

But this is a very serious issue and can also leave a driver uninsured and even open to third party costs and at risk of prosecution for committing fraud.

Fronting is manly when the car which a parent claims is used mainly by them may in fact be used by their son or daughter. A fronted insurance policy will list a parent as the car user even if is mainly used by their younger children. 

This is mainly used by people to get cheap insurance, since insurance premiums for young drivers are extremely high. Experienced drivers are considered less risky by insurance experts compared to a young driver who has only a little experience in driving.   

Almost 35% believe that fronting is a loophole in the law while 10% feel that it is a genuine way to get cheaper motor insurance. But anyone driving a fronted insurance vehicle can face huge penalties apart from criminal prosecution, in case an accident takes place.