The common trick that young motorists are trying to pull to dodge high insurance premiums - which could cost new drivers AND their parents a fortune
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Nearly one in five young drivers are fraudulently claiming they are not the main driver on their cars to lower the cost of insurance, new research has found. A staggering 21 per cent of male drivers and 15 per cent of female drivers aged 17 to 35 are using older motorists to falsely state they are the main driver when purchasing insurance.
Young motorists who engage in this practice - known as 'fronting' - can save thousands, but it is illegal. The cost dodge involves a lower-risk and usually older driver insuring a vehicle in their name as the main driver - even though it is the higher risk 'second' driver who will really be behind the wheel most of the time.
![[A staggering 21 per cent of male drivers and 15 per cent of female drivers aged 17 to 35 are using older motorists to falsely state they are the main driver when purchasing insurance]](https://i.dailymail.co.uk/1s/2024/12/23/19/93437323-14222315-image-a-3_1734981716309.jpg)
Well-meaning parents are usually the ones putting their names down to try and save money for their hard-pressed offspring, while reducing the pressure on the 'bank of mum and dad' who would be asked to bail them out. But it can have serious implications if those involved are found out, not least of which is a conviction for committing insurance fraud.
Insurers can refuse to pay out for any claims, or will settle a third-party claim and attempt to recover the cost from the parent as policyholder. If the insurer declines to pay-out on a claim, the young driver could then be treated as 'uninsured' and could be fined hundreds of pounds, face prosecution and an automatic driving ban. They will also be hit with higher insurance costs in future.
