The common ‘trick’ to cut insurance costs that could land you with fine of £1,000s and banned from driving
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DRIVERS have been warned over a common mistake that can lead to fines worth £1,000s and being banned from the road. Aviva is urging young motorists to not lie on their car insurance policies or risk a court appearance. The insurance company says anyone engaging in "fronting" can land themselves in "serious" trouble.
The practice involves a young person being listed as a named driver on their parents' policy despite being the main driver of the vehicle. A main driver is someone who drives the insured vehicle the most, usually the owner or registered keeper. Insurance premium prices are decided based on the risk profile of the main driver, so misleading an insurer on this can mean your policy is invalidated.
It can also breach the terms and conditions of your policy which is considered fraudulent and illegal. Drivers found to be fronting can be hit with an unlimited fine, but also face a court appearance, having their car crushed and banned from the road. Katriona Cunningham, underwriting fraud lead at Aviva, said: "Fronting is a serious issue that not only constitutes insurance fraud but also puts young drivers at significant risk.
“While it may be tempting for a few young drivers to try to be clever with the truth, it's important that they understand the consequences of driving without adequate insurance.". The warning comes off the back of Aviva research which revealed one in six drivers aged between 17 to 25 admitted to being on a "fronted" policy.
