Legal requirements for car insurance
Legally, any vehicle over three years old must pass an MOT test and have a certificate verifying this. Without an MOT and car insurance certificate you cannot tax a vehicle, and driving a car without having all three of these documents is illegal - the Road Traffic Act says that you must be insured against injury or damage caused by yourself when in charge of a vehicle.
You are also obliged to keep your insurer informed with regards to any changes to your policy; these include modifications to the vehicle and driving offences committed. This is called “Utmost good faith”, and it is one of the terms your cover is held under. What this means is that you are required to disclose any information which may be deemed important by your insurance provider without prompt, and also means that the insurer assumes all information in your policy to be correct and true. If this is not true you risk any claims you make being affected or even refused.
What is fronting?
What is fronting?
One particularly common insurance offense is what is known as “fronting”: This is where a parent adds a child to a policy as a named driver, but the child then becomes the main driver (Or indeed, if they are the registered keeper and owner).
Whilst this makes car insurance cheaper for young drivers, if the insurance company discovers this in the process of a claim being made, they will often reject the claim as the premium they quoted (and thus the risk they assessed) was not based on correct information.
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