Young drivers warned: lie about your insurance and lose your car

The RAC has discovered that almost half of young drivers are willing to name a parent as the main driver of their car in a bid to save money on insurance.

The motoring organisation’s survey of 500 17 to 24-year-olds found that 47% didn’t see the problem with ‘fronting’ – despite it being an illegal practice that could leave your car uninsured.

This is despite the majority (57%) of young motorists questioned admitting they realise the act is against the law.

“Fronting is where someone other than the main driver of a car is said to be the policyholder,” said the RAC’s insurance director Mark Godfrey. “In the case of a young driver who is the most frequent driver of a vehicle, this tends to be a parent with a longer, proven good track record as a driver and therefore attracts a lower insurance premium than their son or daughter would.”

With 18- to 20-year-old drivers paying £993 a year for car insurance on average, it’s not a surprise to see young people resorting to desperate measures in a bid to save cash.

The RAC says that young men know more than young women about fronting – perhaps because of the myth that males pay more for their insurance than women.

Godfrey added: “It’s important for anyone who has done this to realise that it could result in invalidating the policy for everyone covered by it, not just the young driver concerned. What’s more, its illegal activities like this that increase the overall cost of insurance for all young drivers.

“The fact our research shows more young males are aware of fronting may be because they think their insurance premiums will be higher than young women’s which, of course, is no longer the case since the EU ruling that gender cannot be used in determining premium prices.”

If drivers are found to be fronting, their insurance company might refuse to pay out in the case of a crash, and could force them to compensate for damage caused to other vehicles.

You could also be refused insurance in the future, be charged more – and the police could hit you with a £300 fine and six penalty points for driving without insurance. Your car could also be confiscated.

The RAC says young drivers should reduce their car insurance costs by legal methods such as buying a car with a smaller engine or having a telematics ‘black box’ system fitted to monitor their driving behaviour.