The temporary insurance provider Tempcover.com has warned motorists not to fall for a loophole that seemingly could cut the cost of cover.
As the cost of car insurance rises for almost all road users, it could be tempting for drivers to tell a few white lies in a bid to reduce the price of their next policy.
However, Jake Lambert, Temporary Insurance Expert at Tempcover.com warned that tips that seem like loopholes at face value could lead to serious issues, including fines and higher costs in the future.
He explained: "With the excitement of starting university, it can be easy to overlook the details of your car insurance policy. However a lack of awareness can result in driving without insurance, leading to severe legal repercussions.
"Young drivers could be caught out when sharing driving or borrowing cars among friends or housemates. Under 25s will rarely be covered to drive someone else's car without being a named driver on either an annual or temporary policy for that car."
First, Tempcover.com warned younger motorists that they should avoid thinking that they simply need to become a named driver on their parent's policy.
Since they are inexperienced, young drivers often pay the highest amount for insurance, with many paying well over £1,000 for their first year on the roads.
However, whilst it may seem tempting to simply add themselves as a named driver to the policy of a parent, they will not gain any no claims bonus (NCB), which is crucial in lowering the cost of future premiums.
Jake also highlighted that driving on a parent's policy may also limit their ability to drive other vehicles, urging all motorists to check one clause of their current insurance cover.
He advised: "It's crucial for students to check the 'Driving Other Cars' (DOC) clause in their policy.
"Just because you're covered to drive the family car doesn't mean you can borrow a car or van to move your belongings. Always verify your coverage to avoid a nasty surprise."
Drivers who get behind the wheel of a vehicle that they are not insured to take onto the roads is a serious offence that can lead to a number of consequences.
Those caught driving whilst uninsured can face fines of up to £300, plus six penalty points on their licence.
This can put motorists at risk of having their driving licence revoked, which can occur if 12 or more points are gained in the space of three years, and can also lead to future insurance prices being higher due to insurers perceiving the driver as being a higher risk.
