Not true. See Rob's reply. I guess you're one of these people. Getting caught fronting can earn you a conviction for fraud. IIRC a conviction for fraud has to be declared on a lot of insurance applications, mortgages, loans, etc, which will probably result in the applicant being offered "unfavourable terms".
http://www.bbc.co.uk/news/10241769
I'm not going to start a debate on this thread, but I'm sure whether people are willing to admit it or not, they put their wives on the policy first. we both live at the same address, we both drive the car. I called in on a radio station when they had an insurance specialist and asked the question whether its illegal to put the wife on first. there's nothing illegal about it. how would an insurance company prove who drives the car most?
fronting is targeted at parents who put their kids on a policy when they have no intention themselves to drive the cars. I wouldnt be surprised if 80% or more had their parents first.
insurance companies don't like it as kids are more likely to be in an accident.