Martin Lewis warns drivers ‘insurance will be invalid’ if they are ‘caught’

Martin Lewis has warned millions of drivers that one mistake could cost them thousands of pounds. The BBC Sounds podcast host, who regularly appears on ITV Good Morning, has issued an urgent warning about fronting and is urging drivers to “not do it”.

Primary driver impersonation on car insurance occurs when someone – often a parent or elderly driver – falsely claims to be the main driver of a vehicle when in fact it is a younger or less experienced driver who will be using the vehicle most often. Having an older driver as the primary driver will result in a lower premium.

In his newsletter, he writes: “This is fraud. If you make a claim, your insurance will be checked and if you are caught, it will be invalidated. You could even be prosecuted. Don’t do it.” One father, Marc, told Mr Lewis that this trick saved him 30% on his son’s insurance bill.

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He said: “I renewed my 18-year-old son’s car insurance and saved a whopping £450 by adding my wife as a named driver. Many thanks.” Sam Meadows told Money Supermarket: “If you’ve been quoted thousands of pounds for car insurance, it’s understandable that you’re feeling frustrated, especially if you’re a careful driver.

“But getting caught cheating can result in huge financial consequences, and even a criminal record. It’s just not worth it. There are a few companies offering policies designed for young drivers, including telematics, that can give you a cheaper deal.”

If an insurer launches an investigation because it detects a case of fronting, it may take some or all of the following actions: interview the main driver and the named driver to confirm their driving habits, consult automotive databases or watch CCTV.

It can also review road tolls, congestion charges and ULEZ registrations.