Many drivers try to reduce their costs through shopping around or trying a different type of policy. Some, particularly young drivers, look to others to help - often parents will declare themselves the 'main driver' and their child the 'named driver' when in fact it is the other way round. This is known as 'fronting' and is tantamount to fraud.

So why is fronting a problem?

Statistically, young, inexperienced drivers are more likely to be involved in an accident, which means the premium will cost more than average. By giving inaccurate details to your insurer, you are misleading them in the risk you present to yourself and other road users. Should you have an accident, you could find you are not adequately covered - you might have to pay for your own damages and even cover the costs of the other party.

If you have a fronted policy you might not be able to build up any no claims bonus of your own, leading to higher than average premiums for years to come. So whilst fronting a policy might seem appealing in the first instance, ultimately it could cost you a lot more.

But there are legitimate ways to save and still reap the benefits of proper insurance cover - check out our tips to help you reduce your costs for our money saving tips.