MOTORISTS are being warned about three simple car insurance errors which could leave them without cover and land them hefty fines.
A large number of British motorists could be driving around completely unaware that they are risking hefty fines and a criminal record for not having valid insurance.
Hundreds of thousands of drivers could be making simple errors that could leave them without cover and at risk of landing these punishments.
Shocking around 4,000 drivers a week have been caught for being dishonest with their insurance applications.
The Association of British Insurers (ABI) have stated that there are three main ways drivers are trying to exploit the system to secure a lower annual premium.
One of the most common methods of doing this is by ‘fronting.’
Fronting is where somebody else is put as the main driver despite them more than likely not driving the vehicle as much.
It is something that is seen most commonly with parents trying to lower three child’s annual insurance premium.
Due to the more experienced and older driver, who likely has a no-claims bonus, being the named driver, the recipient can expect a reduced premium.
It is, however, illegal and a form of insurance fraud which could see the motorist prosecuted.
Another mistake drivers are making is by putting a different postcode to their home address on their form.
This could see the driver penalised as the location of the home is one of the key factors in determining the cost of cover.
In addition to this, any motorist that fails to declare previous claims or unclaimed convictions could also find themselves without valid cover.
Mark Allen, the ABI’s fraud and financial crime manager, said: “Insurers recognise that innocent mistakes and oversights happen.
“But anyone lying to get cheaper motor insurance, or tempted by cheap insurance offers without first checking that they are genuine, risks driving illegally.
“The consequences include getting a criminal record and a massive financial headache if found to be at fault for a crash.
“The risks are just not worth it – especially when you can shop around for the right policy at the lowest price.”