It is also true that putting an older, more experienced driver as the main driver on a policy may lower your premium. This can be especially appealing to younger, newly-qualified drivers who often face the highest premiums.
Unfortunately, this practice, known as 'fronting', is illegal. While it may lead to a lower premium, it carries a huge risk. Anyone found to be fronting can have their insurance policy invalidated or cancelled. It might also lead to a fraud prosecution, which will appear on their criminal record [3]. Instead, a young driver seeking to reduce their premiums could add a low-risk driver such as a parent to their insurance as a second driver.