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Half of young drivers prepared to flout law to reduce insurance premiums

Friday 13 January 2017, By Autovolo

Half of young drivers prepared to flout law to reduce insurance premiums

Half of young drivers prepared to flout law to reduce insurance premiums

Almost half of young drivers are ready to flout the law if it allows them to reduce their insurance premium, new research has revealed.

A survey of 500 drivers aged between 17-24 conducted by RAC Insurance found that 47 per cent we happy to enter in to the illegal practice of ‘fronting’ – falsely insuring your own vehicle in another person’s name – if it meant that their premiums would fall.

Fronting is a well-publicised way of reducing premiums for young drivers, who are regularly crippled by sky-high insurance costs far larger than the national average. 

RAC insurance director Mark Godfrey said: “It’s worrying to see so many people – both young drivers and by association their parents – who are prepared to knowingly to try to cheat the system to get cheaper insurance.

The trick works by nominating an experienced driver – usually a parent – as the main policy holder, while the younger driver is added to the policy as a named driver, despite them in fact being the main user of the vehicle.

Despite many young drivers admitting that they were prepared to use fronting as a way to lower their insurance costs, many were aware of its illegality. 

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, it’s illegal activities like this that increase the overall cost of insurance for all young drivers.”