It's an issue that crops up again and again when car insurance is under discussion: is fronting legal?

The practice involves parents placing themselves as the principal driver and naming their child as a second driver, even when their offspring is the main driver of the car. This is illegal but many people are still doing it in order to save money.

In fact, research conducted by moneysupermarket.com has revealed that 27 per cent of motorists would front on their car insurance policy to save money, while 14 per cent have already done so for one or more of their children.

Peter Harrison, car insurance expert at the price comparison site, commented: "Ignorance may be bliss to motorists who think fronting is a legitimate way to reduce the cost of motoring for their family and stay on the right side of the law, but in reality it's quite the opposite.

"Fronting on a car insurance policy is illegal and it is worrying how many motorists are willing to take this risk."

He added that the risks include having the offence classed as fraud by the insurer, which can lead to numerous legal problems down the line and could also make it harder to get insured again in the future.

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