1 in 5 parents risk lawsuits for car insurance coverage


Fraud warning on common policy cost reduction method that can result in fine, points and criminal record

As many as one in five parents may commit insurance fraud in an effort to cut car costs for their children.

Facade implies that an older or more experienced person is listed as the primary driver on a policy, but a younger or higher-risk person is actually the primary user of the vehicle. This practice often results in lower insurance prices, but it is against the law and can cause serious problems for drivers caught doing it.

Insurance service GoCompare surveyed more than 1,000 parents of children aged 17 to 25 who were learning to drive or were a new driver. When asked about car insurance for their child, 20% said the insurance was in their name or that of their partner and that the child was designated as an additional driver.

Insurance remains one of the most important costs of the automobile

Although it sounds like an easy way to save money, getting caught in the act can end up costing families a lot more. Insurance fraud is illegal and you are found guilty outright, you could be fined thousands of pounds, have six points on your license and end up with a criminal record.

Fronting could also see your insurer cancel your policy and refuse to pay out in the event of a claim, leaving you to cover all costs of damage or injury. And being caught committing insurance fraud will make it harder and more expensive to get insurance in the future.

“Unfortunately, parents often don’t realize that insuring a child’s car in your name, even if you won’t be the primary driver, is an offence. This may seem like a workaround that can help cut costs, but since facade is considered insurance fraud, you may well end up with a voided policy at best, a substantial fine and a record at worst. judicial.

Lower costs

Average insurance costs have fallen in recent months, according to the Association of British Insurers (ABI), but young drivers still face far higher premiums than older motorists. The latest quotes data on GoCompare shows that the average policy for a driver aged 17-19 is £1,161, almost three times the national average.

The study also revealed geographical differences in attitudes to facades, with almost a third (30%) of parents in London admitting to putting their name on their child’s font, possibly due to the relatively high cost of car insurance in the capital.

Mr Fulthorpe added: ‘The good news is that the numbers appear to have fallen since last year, when almost one in four (24%) admitted to showing up, accidentally or otherwise. These statistics are encouraging, especially given the financial pressures that many people are currently under – that we are not turning more to risky decisions to save money.


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