‘Mistakes’ on your car insurance that could make you an illegal driver

  Hundreds of thousands of drivers risk being left with a "financial headache" and a criminal record as they could be driving with an invalid car insurance  According to the Association of British Insurers (ABI), it takes just a couple of mistakes on one's insurance application for the insurance to be invalid  It said 212,000 people tried to dodge the system in a bid to get lower premiums since 2014, a rate of 4,000 a week   There are three main ways dishonest drivers try to fool the system, Manchester Evening News reports  Offences that people may have committed include 'Fronting', which means putting somebody else as the main driver of the car  Fronting is illegal and often happens when younger drivers put their parents as the named driver on the policy  Drivers who put a different postcode to the one they are based are also committing an offence, while those who leave out previous claims or unclaimed convictions could also find themselves without valid insurance  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 Read More Top Stories from Mirror Online  "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 "  However, there are legal ways to lower your insurance   Switch your insurance  Searching for a better quote up to three weeks before you are due to renew can save you an average of £280, according to Comparethemarket  Meanwhile accepting the auto renew figure can cost as much as £113 a year

Shopping around on insurance switching websites can be the key to getting a better deal  Use Compare the Market or Confusedcom , or a similar service, to check your insurance options   Choose your occupation carefully  You should always be as honest as possible when describing your job title but be aware some will carry higher premiums  For example 'chef' will return a premium that is £98 higher than 'kitchen staff', according to Gocompare  Other higher-paying jobs include music teachers, who will pay £86 more than teachers, while copywriters will offer a different quote than writer  However, any job title must accurately describe your role Putting down teacher when you are actually a doctor is fraud and could lead to prosecution   Adding a driver  Fronting – the practise of younger drivers putting parents as the main driver of their car – is illegal in the UK  Drivers can add a secondary driver to the policy and it can actually save money  The secondary driver has to give permission and as long as they have a clean license and a good no-claims history it could push down the price of a premium   Pay in one lump sum  Not everybody can pay for their insurance premium in one go but those that can could save up to £62, according to MoneySupermarket How to buy a used car safely – best dealers, PCP explained and 10 questions to ask before paying a penny  The savings are because the up front payment removes the need to pay interest on the premium   Cut your excess  The level of your insurance premium excess can impact on the final quote A higher insurance excess – the amount you're willing to pay towards the damage – means less risk for the insurer and lower premiums  Other things that can reduce the price are removing other types of cover including breakdown cover, windscreen cover, cover when driving abroad and the courtesy car option  Think carefully before removing these however, as they could cost you in the long run  It is worth checking if some of the options are covered by your home insurance, travel insurance and AA or RAC membership