Brummies could drive under hundreds of thousands of drivers in the UK without valid insurance.
It turned out that ignorant drivers could risk fines and criminal records.
The Association of British Insurers (ABI) says that a few simple mistakes on an insurance application could mean that you drive illegally, reports the Manchester Evening News.
There are said to be three main ways in which drivers try to cheat the insurance system to secure lower premiums, and since 2014 has processed more than 212,000 dishonest insurance applications at a rate of 4,000 per week.
Violations that people have committed include "fronting," which means putting someone else as the driver of the car. Fronting is illegal and often happens when younger drivers include their parents as drivers in the policy.
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Drivers who have a postal code other than that on which they are based also commit an offense, while those who omit previous claims or unclaimed convictions can also be found without valid insurance.
Mark Allen, fraud and financial crime manager for the ABI, said, "Insurers recognize that innocent mistakes and mistakes happen, but who lies to get cheaper car insurance or be tempted by cheap insurance options without first checking it out? Whether they are real risks illegal driving, and the consequences include a criminal record and massive financial headaches if they are to blame for an accident – the risks are simply not worth it – especially if you can buy the right policy at the cheapest price. "
However, there are legal ways to lower your insurance.
Change your insurance
Looking for a better deal up to three weeks before you can renew, you can save an average of £ 280, according to Comparethemarket.
Acceptance of the car renewal number can cost up to £ 113 per year. Switching to insurance websites can be the key to a better deal.
Use the Market or Confused.com or similar service to verify your insurance options.
Choose your profession carefully
You should always be as honest as possible when describing your job title, but keep in mind that some will carry higher premiums.
For example, according to Gocompare, "Chef" will pay back a premium that is £ 98 higher than "Kitchen staff."
Other higher-paying jobs include music teachers who pay £ 86 more than teachers, while copywriters offer a different writer's quote.
Each job title, however, must accurately describe your role. Dismissing a teacher when you are actually a doctor is fraud and could lead to prosecution.
Add a driver
Fronting – the practice of younger drivers using parents as the main driver of their car – is illegal in the UK.
Drivers can add a secondary driver to the policy and even save money.
The second driver has to give his permission and as long as he has a clean license and good history of non-infringement, he could push the price of a premium.
Pay in one sum
Not everyone can pay their insurance premiums in one go, but those who can, according to MoneySupermarket, can save up to £ 62.
The savings are because the advance payment eliminates the need to pay interest on the premium.
Cut off your surplus
The amount of your insurance premium may affect the final offer. A higher deductible – the amount you are willing to pay for the damage – means less risk to the insurer and lower premiums.
Other things that can lower the price are removing other types of covers, including puncture protection, windshield cover, cover when traveling abroad, and option for a replacement car.
Think carefully before removing them as they could cost you in the long run.
It's worth checking to see if some of the options are covered by your home insurance, travel insurance and AA or RAC membership.