This website uses cookies to improve user experience. By using our website you consent to all cookies in accordance with our Cookie Policy. Read more
Go compare with our comparison table

Car insurance sees older children sharing parents' policies

29 October 2009 / by Rachael Stiles

The average age of 'children' who have been added to their parent's car insurance policy has risen from 25 to 31 in the last 12 months, has found.

As the ongoing recession continues to stretch consumers' finances, an increasing number are turning to mum or dad to drive down the cost of their car insurance, with 2.5 million policies now having a child added.

This might sound innocent enough, but it has led to an increase in the number of drivers committing insurance fraud through 'fronting' – whereby the parent is named as the main driver, even if it is the child's car, because more experienced drivers are usually rewarded with lower premiums.

Consequently, reported cases of fronting are up 30 per cent compared to two years ago, and, along with other insurance fraud, which costs the industry an estimated £1.9million a year, it adds an average £44 to each UK households' insurance costs.

High premiums on car insurance for young drivers, coupled with the other rising costs of driving such as soaring fuel prices, have made it increasingly expensive for young motorists to keep their car on the road, leading many to commit fraud through fronting to save cash.

Some young drivers who cannot afford the premiums are taking the drastic measure of foregoing car insurance altogether, with as many as 20 per cent of 17-20 years olds driving uninsured, figures from the Motor Insurers' Bureau show.

A further 20 per cent of young drivers who have only third party car insurance have chosen this lower level of cover because they cannot afford comprehensive car insurance. 

Commenting on the figures, Mark Monteiro, insurance expert at, said: "Not only are hard-up ‘kidults' living at home for longer, but they are hanging around on their parents' insurance policies for longer too. It is no secret that younger drivers pay far higher premiums than older motorists because of the higher risk involved."

The penalty for being caught fronting could be severe, Mr Monteiro warns, such as having a claim refused, or settling a third party claim but then recovering the costs from the parent as the policyholder. The young driver could be deemed uninsured, incurring a heavy fine and six penalty points, which would result in an automatic ban for new drivers as well as increasing their insurance costs in the future, he added.

"Insurance fraud simply adds to the overall cost of insurance - in other words consumers end up picking up the tab. And ultimately, committing insurance fraud is not worth the risk. If affordability is an issue, there are steps you can take: look at increasing your excess, downgrade your cover, trade your car in for one in a cheaper insurance class," but above all, Mr Monteiro recommends that drivers compare car insurance quotes to find the best deal.

© Fair Investment Company Ltd


ProviderSpecial OffersGet Quotes

5 Star car insurance from £185 – That’s all 10% paid for our standard cover* .
You could save up to 20% online - 36% of customers are expected to receive the maximum saving**

Get Quotes >
Our Guaranteed Hire Car cover comes as standard with our comprehensive motor insurance.

Underwritten by U K Insurance Limited

Get Quotes >

99% of customers would buy again from LV= - Reevoo

Benefits include UK call centres, 24/7 claims helpline, unlimited cover for factory fitted phone, audio and sat nav equipment, replacement child car seats, and European car insurance cover. Tailor the cover to suit you with optional extras, such as Motor Legal Expenses, Guaranteed Hire Car, increased Personal Accident cover and Breakdown cover.

Get Quotes >

Don’t get caught out when you break down. Churchill offers free breakdown service to new Motor customers
First year Breakdown service (roadside only), provided by Green Flag, new policies only. Breakdown chargeable at renewal. Underwritten by U K Insurance Limited. Terms & conditions apply

Get Quotes >

Save 15% Online††
No claims discount up to 75%.

Get Quotes >

Comprehensive cover available from just £180 a year***.
Defaqto 5 Star Rated Comprehensive Cover, you'll benefit from the following as standard: Uninsured driver cover, Vandalism cover, Guaranteed replacement car, Emergency any driver cover, Cover for driving in the European Union for an unlimited period.

Get Quotes >
New customers can get 12 months' breakdown cover for the price of 6 when they buy AA Car Insurance. You also get access to member benefits, including up to 20% off at Moto service areas. Get Quotes >

Get Comprehensive Car Insurance Quotes Online.

Get Quotes >
Free Annual Roadside Assistance and Recovery Breakdown Cover worth £49.
Over 50s save at least £50.
Get Quotes >
With lots more cover now included as standard, AXA car insurance offers you extra reassurance on the road.
If your car’s hit by an uninsured driver, you’ll keep your no claims discount and get back your excess with AXA’s uninsured driver promise* – only with our comprehensive car insurance (*We will return any No Claims Discount and Excess if you are not to blame – you will need to provide the make, model and reg number of the other car. T&Cs apply.)
Get Quotes > compare prices from over 130 motor insurance providers to find you their best dealGet Quotes >
Save up to £230 on your car insurance (51% of consumers could achieve a saving of up to £229.96 with car insurance based on a comparison of at least 40 companies)Get Quotes >