Car Insurance- Fronting, Beware!

The fast rising costs of car insurance is resulting in a growing number of parents breaking the law by falsely telling insurance companies that they are the main driver of the car, and their child is only a named driver.
This practice is known as" fronting" and happens when a lower risk , usually older driver, insures a vehicle in their name, although the main driver is higher risk. It is often used by well meaning parents, trying , understandably, to save money. Many of these parents do not realise it is an offence.
In the younger driver age group, more licences are lost through fronting than any other reason. Fronting will bring a heavy fine and 6 penalty points, which is an automatic ban for a new driver. Future insurance costs will also be higher if you are caught.
Insurers can refuse to pay out claims and try to recover a third party claim from the parents, so the financial implications can be severe.
I can't help thinking that it cannot be beyond the wit of the insurers to flag up a warning to protect the large number of parents, who do not realise this behaviour is illegal, and advise them of other ways to reduce insurance costs(black boxes, etc.)
To make it clear, who is regarded as the main driver, the following should help:

• If a young driver regularly uses a car to drive to or from work/ college then they should be the registered main driver.
• If a young driver uses the car on a daily basis , then they should be the registered main driver.
• If the car is maintained by the young driver, then they should be the main driver.

We hope this can help, and as always, be careful out there!
Thanks, John.