Because of the high cost of insurance cover for new drivers, it may be tempting for a parent to buy their child a car then insure it in their own name with the child on the policy as just a named driver, even though they’re the main (or sometimes even the sole) driver. This practice is called “fronting” and is illegal. It may cut costs short term but a young driver will never get to build up their own no- claims discount which may help reduce the cost of their insurance each year. Also, if they have an accident, the policy holder might lose their no-claims discount and the insurer is likely to only pay the third party claim. Get caught “fronting” and your insurer could charge a penalty or cancel the policy. Afterwards, getting cover could be very costly – and that’s if you can get it at all. marmalade’s annual insurance for qualified drivers cold front ❍  Young drivers are insured comprehensively for the car that’s fitted with a black box ❍  This 12 month policy is available to full licence holders aged 17-27 ❍  The car insured must be owned by a parent, spouse or civil partner, or by a vehicle leasing company ❍  Premiums can be paid monthly with no interest charges ❍  Young drivers are insured comprehensively for the car that’s fitted with a black box ❍  This 12 month policy is available to full licence holders aged 17-24 ❍  The car insured must be owned by the policy holder, a parent, spouse or civil partner, or by a vehicle leasing company ❍  The black box needs to be installed within a month of the policy start date ❍  There are no annual mileage limits and no night-time curfews key facts family car key facts own car ❍  The black box needs to be installed within 14 days of the policy start date ❍  The policy covers the whole of the UK ❍  There are no night- time curfews ❍  Initial annual mileage can be 3,000, 4,000 or 5,000 miles. Additional miles can be purchased after six months, increasing the additional mileage to a total maximum of 6,000 miles 17 wearemarmalade.co.uk