Thousands of Uk Drivers Might Soon Be Driving Illegally; And Here’s Why…

If you live in the UK, you might be facing penalties, fines, and even a criminal record for driving without a valid insurance.

As a matter of fact, you might be one of the hundreds of thousands of UK drivers poised to be heading this direction pretty soon.

Driving without a valid driver’s license is illegal in nearly every country in the world

Devious Ways

According to the ABI (Association of British Insurers), the reason could be due to a couple of simple mistakes being made by applicants, hence rendering drivers as illegally being on the road.

The ABI board says that there are three in which drivers are adopting in their attempt to dishonestly trick the insurance structure so that the can qualify for relatively lower premiums than what they were initially paying.

As a matter of fact, the board has even dealt with over 212,000 cases of dishonest insurance premiums starting in 2014, at about 4000 new cases every week!

Some of the offenses include ‘fronting’, which refers to owners of the car putting other individuals as the main drivers of the car. As a matter of fact, fronting is totally illegal and it occurs in most cases when young teenage drivers name their parents on their driver’s policy instead of using their own.

Additionally, drivers who also use a different postcode to their main one is also deemed as an offense. That’s not all; individuals who also omit any of their unclaimed convictions or previous claims could find themselves penalized and stripped from any valid insurance.

Some individuals are lying about their personal information in a bid to get cheaper insurance premiums

ABI’s financial crime and fraud manager, Mr. Mark Allen, states that insurers are well aware of cases whereby individuals have made an honest mistake, hence allow these oversights to take place.

However, when an individual’s main agenda is to dupe the insurers to get cheaper car insurance, or cheaper insurance offers, then they are at great risk of driving illegally.

Some of the consequences of such a setup include severe financial penalties, or even getting a criminal record in the event that they are responsible for a crash.

That being said, there are some legal ways through which an individual can end up with a lower insurance premium.

Look for Another Insurance Option

The first thing you can start with is fishing for a more reliable quote. Ideally, you should begin three weeks before you renew your insurance.

In fact, according to Comparethemarket, looking for a new insurance quote can save you upwards of 280 pounds!

As a rule of thumb, it would be wise to shop around on multiple websites before landing on the best deal.

Select Your Occupation as Carefully as Possible

It’s wise to be always honest with the kind of occupation that you have. That being said, you should know that some insurers will carry higher premiums depending on your job title.

For example, higher-paying jobs such as a music teacher might demand higher premiums as compared to a kindergarten teacher etc.

The advice is not to change your job title from one professional to another, but rather make it as obscure as possible. For example, stating that you are a teacher instead of a music teacher will undoubtedly result in lower premiums.

Introducing a Driver

It’s clearly outlined that fronting, the inclusion of a parent as the main driver, is not permitted in the United Kingdom.

However, in the policy, one has the freedom to include a secondary driver, which might actually save you a lot of money.

That being said, the main driver should have permission from the secondary driver. Additionally, if the second driver has a clean record, and a positive no-claims history, the main driver can push for a lower premium.

Pay Their Insurance in One Prime Sum

It’s a given that not everyone will be able to pay their insurance premium all at once. For those that can, however, MoneySupermarket predicts that they can save up to 62 pounds!

The savings come about because front payments eliminate the need for any interest payments to be made on the premium.

Minimize the Amount of Excess That You Have

Did you know that the higher your insurance premium excess are, the lower your final quote is bound to be? As you know, an insurance excess is the amount of money that you are willing to part with in terms of paying for damages in case of an accident. Hence, high insurance excesses usually mean lower premiums.