You just can’t avoid car insurance. It might be a legal requirement and an expense you could live without, but in the event of an accident claim being made against you, you’ll be happy you have it. However, younger drivers have difficulty finding car insurance, never mind finding the cash to pay for it. If that sounds familiar, don’t be tempted to break the law to save a bit of cash. If there is ever an accident claim, you might very well regret it.

Under half of the major car insurance providers in the UK offer insurance for teenage drivers. Amongst those that do, it is common to see quotes as high as £4,000 which is often significantly more than the car is even worth. Because the average male teen driver accident claim is worth much more than the sort of claims their female counterparts might make, the boys pay the most for insurance.

Insurance companies are right to perceive teenage drivers as more likely to have an accident claim made against them. Drivers in this age group are ten times more likely to injure or kill someone on the roads than their more experienced counterparts. Nonetheless, some parents are acting illegally in their attempts to bring down insurance costs.

Around one fifth of teenage drivers have no insurance at all, according to the Motor Insurers’ Bureau. Many others engage in a practice known as ‘fronting.’ This is when parents claim to be the main driver of a car and name their child as another driver when in fact the child is the main driver. For some it is a harmless way of saving a bit of cash. It is illegal.

In the event of an accident claim being made the insurance company can investigate who really was the main driver and where policy holders have lied, there can be consequences. There may be prosecution and they might find they have problems getting insured again in the future. Not only this, but insurance companies can also refuse to pay part or all of the accident claim compensation.

‘Fronting’ might seem harmless and surveys suggest many people are doing it. However, prosecution and paying the price of a whole accident claim settlement are too big risks to take to save a bit of cash.

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