Insurance

Insurance can be expensive and the biggest factors that influence your premium are age and where you live.

What is the impact on insurance after an accident?

If you’re not at fault, none of your no-claims bonus will be taken. If you are at fault, you can lose some or all of your no claims bonus.

Can I get by without insurance?

Nope. The law requires you to have insurance. Being involved in an accident while driving without insurance may result in criminal record.

What's The Honest Truth about fronting?

Fronting is when a young person insures their vehicle with their parent or guardian as the policy holder and main driver, and themselves as an additional named driver. It's done to save money but it's a type of fraud.

What happens if an insurance company finds out about fronting?

  • the insurance policy could be invalidated giving cost responsibility back to the driver
  • they may report it to the police
  • the penalty for no insurance is 6 points (6 points would mean losing a licence for someone within two years of passing their test).
  • the young driver could be taken to court for driving without insurance
  • being caught could result in license points, bans and fines
  • the fronting adult could have their own policy for their own vehicle invalidated
  • both parties may find it harder and more expensive to get car insurance in the future
  • there are powers which can result in uninsured cars being seized from the roadside