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The Roadsafe Project can help you reduce young driver car insurance significantly, however you will have to work for these privileges and incentives.

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Many families who have young drivers within the household are flaunting the insurance laws by falsifying their insurance applications whereby, the parent/s are placing themselves as the named driver when it should be their child on the application.

We know young driver car insurance is expensive, but consider an uninsured driver having a serious accident and maybe causing the death of an innocent victim. This could lead to a custodial sentence for both the parent who signed the application/declaration and the ‘young driver’ along with the insurance industry picking up the ‘tag’ in compensation claims, running into millions of pounds.

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In the news this week: BBC Breakfast TV - 05 June 2010

Named drivers take insurance risk

A survey claims the 45% of young drivers named on their parents' insurance policy could be driving without valid cover.

The practice, known as fronting, usually involves a parent claiming to be the main driver and including the young person as another named driver.

Claims rejected

As well as a licence endorsement, insurers say drivers risk having claims rejected and even the possibility of having to sit their test again.

Insurance for young drivers can cost thousands of pounds, so there is a clear motive to resort to fronting.

The insurance industry says they are simply passing on the higher costs of cover for youngsters.

"17 to 21 year olds are up to 10 times more likely to be involved in an accident than more mature drivers and we have to reflect that in the costs of insurance", says Malcolm Tarling of the Association of British Insurers.

Although he adds that young ‘female drivers’ tend to be a better risk for insurance purposes than young males.

Those fronting are often spotted by tell-tale signs such as the family having two cars, one of which is an 'old banger' or kept hundreds of miles away at university.