Younger drivers often get a raw deal when it comes to getting car insurance and are increasingly expected to pay thousands pounds for even basic third party cover. Which is why committing fraud by ‘Fronting’ can seem an attractive and tempting proposition.
Fronting is the term used when a young person has a car registered to their own name but insures the vehicle with their parent as the main driver and themselves as a named driver to save money. The premium is therefore lower as the insurers think an experienced driver is the main car user however if the insurer discovers what amounts to fraud, the policy is invalidated and the young driver is left much worse off. They are liable for potentially thousands of pound of bills as well as criminal prosecution. The driver will then be seen to be driving without insurance and liable for prosecution through the courts, with the outcome being a hefty fine and 6 points, as well as the costs of the original claim.
Younger drivers do unfortunately get a raw deal when it comes to getting car insurance, however the advice to anyone would be to avoid the temptation to use fraudulent practices such as fronting and look to more selective methods of getting cheaper car insurance
Cheap car insurance can be tricky to get for younger drivers, but it’s not impossible, and without carrying out fraud. Take note of the following tips to help reduce your premium:
- Shop around – policies will vary by what they offer so what maybe the cheapest premium may not have the best overall offering
- Look at the extras in the policy - Many car insurance companies will pre-select options such as legal cover or motor breakdown cover which can add over £50 onto the premium.
- Add an older driver – Adding a parent or older driver as a named driver to the policy can give significant discounts and more important this practice is legal!
- Consider a larger voluntary excess – By opting to pay a higher amount in the event of a claim you’re sharing the risk with the insurer who can pass the savings back to its customers