Insurance News

Yesterday I blogged about fronting and the dangers of it when you are looking for young drivers car insurance. However, I’m going to give you a different option instead today. Although you should never go on a parent’s insurance policy if you are the main driver, there is nothing wrong with putting a parent on your insurance policy if your mum or dad may drive your car from time to time, no matter how infrequently.

If you put a parent on your car insurance policy then you will find that your premiums are slightly discounted. In some cases the difference is barely noticable but in other cases, you can save up to 10% by having a responsible adult with a clean driving license and some no claims years behind them on the same policy. Providing that you are the main driver, there is absolutely nothing wrong with this at all because you would be the policyholder. Try it and see.

When it comes to getting cheap car insurance for young drivers, there are numerous ways and means you can try to get money shaved off your final young drivers car insurance premiums. You can cut your mileage, choose a low group car and elevate your excess but there is one thing that you should never, ever do and that is known in the industry as fronting.

Fronting is when you have an older person, usually  parent, take out an insurance policy on your car and then you go on as a named driver. If the other person drives the car more than you do then this is perfectly legal but if it is your car and you are the only one to drive it then it is technically fraud so never do it. Paying more for young drivers insurance is far better than saving money and getting a criminal record!