Example: Accidental vs deliberate fronting
Accidental fronting
Steph and Andrew are married and share a car. Steph is listed as the main driver on the car insurance policy as she used to drive the car to work and back every day. However, since she started working from home, Andrew now uses the car more often. As he is still listed as a named driver on the insurance policy, they are now committing fronting without realising.
To ensure they won't be penalised, the couple should update their policy to state that Andrew is now the main driver.
Deliberate fronting
Alex's daughter Isla has just passed her driving test and Alex has bought her a car. Isla's car insurance costs are sky-high so Alex suggests taking out a car insurance policy and declaring himself as the main driver to cut costs. He knows this isn't strictly permitted but plans to drive the car from time to time and sees it as a loophole he can exploit.
However, Alex is committing insurance fraud and could face serious penalties if he gets caught.
* This is a fictional, but realistic, example.