The differing cost of insuring a Ford Fiesta as a youngster or an experienced driver has been highlighted in a report by price comparison website moneysupermarket.com.
With many youngsters expected to pay hefty premiums in their early years, a large number of motorists are breaking the law through a process known as ‘fronting’.
Many parents are committing this crime by naming themselves as the main driver on a vehicle, with a child as a second driver, despite knowing that in reality it should be the other way around.
The car insurance cost example uses a Ford Fiesta Flight 1.3 as a guide, with an 18-year-old student expected to pay £2,689.05 to insure the vehicle.
However, this dramatically falls to £145.95 including breakdown cover for a 45-year-old man, who has assembled five years of no claims discount.
Steve Sweeney, head of motor insurance at moneysupermarket.com, said: "Those considering lying to their insurer to save money are playing a very risky game.
"It may save you money, but if caught, your insurance will be invalidated and the younger driver could face court, charged with driving without insurance."
Ways in which a younger driver could gain a cheaper policy are by taking out third party insurance instead of fully comprehensive or by attending advanced driver courses.