Insurance

…it’s not if you’re caught, but when

Insurance can be expensive, and the biggest factors that influence your premium are age and where you live. Of course, these are things you cannot easily alter, but as with all insurance, these are not the only factors that influence your premium. Aside from Pass Plus, you can save up to 35 % on your insurance premium by simply comparing several insurance companies against each other.

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?

No. The law requires you to have insurance. Being involved in an accident while driving without insurance may result in criminal prosecution. Protect yourself and others by making sure you’re adequately covered.

Fronting

Fronting is the term used 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 to save money. The premium is therefore lower as the insurers think an experienced driver is the main car user.

What happens if an insurance company finds out about fronting?

  • the insurance policy could be invalidated giving cost responsibility back to the drivers as well as criminal prosecution
  • the penalty for no insurance is six points, six points mean you lose your license if you are within two years of passing your 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

Many people simply take a fronting route because they do not realise that this is illegal.